this could be the wrong place but I’m after some advice on a debt problem
I lost my job a few years ago. During my time off I had some health problems with stress and anxiety. I was out of work for almost 2 years and during that time ran up and overdraft and a credit card bill with natwest. The interest payments gradually grew until I had the credit card taken off me and had to close the current account. (between 5 and 10k total)
I went to see the Citizens Advice Bureau just over a year ago and set up a minimal payment and had the interest frozen as I was still not working.
This year I managed to get work and I recently got more letters from the bank saying they are resuming proceedings
I went to see the CAB again today to do a financial statement. They were very mean on what my outgoings were, for example, I probably spend £60 a week on food, they put down £40 etc and worked out I had just under £200 a month left after outgoings
They are basically saying all this money has to go to the bank as payments which frankly isn’t possible due to, well, life
For example, last month the TV broke, so that was £300, month before I needed work on my car £300, I still need tyres for my car which I haven’t been able to afford which will be £200 as a minimum
Would I be better off seeing a Solicitor?
I will pay the banks back, but I need some money for myself for emergencies, and maybe a day out now and again. I don’t go out for meals or drinking, so my outgoings are low, but I just don’t have the cash they are wanting

