Hi all,
sorry I haven’t replied yet just been trying to get some things sorted. I have taken some points into consideration on the forum and can’t thank you enough for that. I’ve been looking at something to consolidate but unfortunately my credit score was not good enough for that. I have spoken with citizens advice and I’m now getting some help regarding that. It’s made me realise how stupid I have been for falling into this habit.
I will keep everyone updated to see how I’m getting on.