hi all, looking some advice my situation is as follows
mint card 2200
sky card (now Barclay card) 2100
Monument card (credit now removed) 2300
Cahoot credit card 2500
Cahoot loan (now Santander) 6000 at 160 a month
MBNA card 5700
Barclay card 2500
egg card 300
argos card 125
Barclay loan 225 per month (paid off oct 2010)
couple of overdrafts of 500 each
Have missed the odd minimum payment here and there but never 2 in a row, everything is up to date, i have been paying the minimum payments for as long as i can remember and as you now getting nowhere. I am getting 11k in a few months and want to know the best thing to do with it, also i am hoping to get a mortgage in the next few months with my partner (she is now debt free but had several defaults in the last year) we both earn approx 1200 per month, house is worth 150k and we need a mortgage off 100k to pay off existing mortgage and for her divorce settlement,
not sure to contact all my creditors and ask for settlement etc or just to pay what i can with the 11k, any advice will be greatly appreciated, thanks