Thread:Hannahc12/@comment-28694170-20160701194649/@comment-27909856-20160702002607

Hannah just to give you a little peace of mind and everyone else who cares about you here I'll give you the outline on what you need to do financially. I will email you in the morning in full depth.

Over the last few years there have been lots of changes that are going to help you within the financial sector in payment service regulations. With your health issues causing an inability to work and your husbands issues your financial classification would be vulnerable legally once a financial institution are aware of that vulnerability they cannot take action against you providing you make and stick to an agreed payment plan. Whatever you offer them they have to accept even if it's £1 per month.

So once you explain your situation and advise the amount you can afford that's as far as they can legally take it, if they say they can't accept it you can go to the financial ombudsmen. In cases like yours the ombudsman always finds in favour of the customer. It may mean some of the debts appear as though they will never be cleared but what tends to happen if after a while a company sees your circumstances aren't changing they will just write off the remaining amount as its not economical to collect.

I'm guessing with payments of £650 per month that's about 7 or 8 creditors so that would make a huge difference also removing the worry of the letters and phone calls. Once the financial stress is sorted and you have some breathing space.

Try it one step at a time tackling one issue at a time so you don't feel so overwhelmed. I think I speak for everyone here saying we are all here to hold your hand through this

I'll email my number as well and get in touch anytime you need to.