Consolidation loan ㄨ
Low interest balance transfers ㄨ
Debt Relief Order ㄨ
Debt Management Plan ㄨ
Individual Voluntary Arrangement ㄨ
Breathing Space ㄨ
Bankruptcy ㄨ
Defaults + lump sum offers ㄨ
Selling my flat and renting ㄨ
Every single option fails based on at least one factor. It's actually astonishing how spectacularly I fall through the cracks.
Long story short, today I called a card issuer and made an arrangement. They massively reduced the payment. 🙏 It's wrecked my credit score I'm sure, but who cares at this point... I couldn't get a loan anyway. I now pay a lot less each month for that card. Interest and fees are all frozen and they review the situation in six months' time.
Tomorrow I call the next one. Fingers crossed they are just as obliging. 🙏I'm at a point of no return, I have to reduce my repayments even more in order to survive by cash, because my credit will be disabled. I haven't lived like that in years. It's a whole new world. 🌍 💰
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