€1107 Balance. this has to pay for everything which means we are always struggling, on the c cards, the amount is the min payment but have about an extra €300 per month when interest is taken out.
I think you should do things the other way around. How much do you need to live on. What is left over can be paid to your creditors. Mabs unfortunately will not deal with you because you have an investment property.
(Rant - the state organisation that is supposed to help people MABS should not be refusing to help people like Wexfbloke - what a cop out)
Wex how much does it leave you if you subtract your outgoings.
In essence your bank is saying to you pay us and nobody else, or pay us and reduce your payments to everyone else.
I suggest when you've all the figures and have decided how much you can pay everybody, you write one letter, to all the creditors, you tell them
Dear Creditors, x bank/y credit union/z credit card company
1 This is my income
2. These are my outgoings
3. I will pay this amount to my mortgage
4. The rest of you can have this much - also ask arrears writeoffs and zero interest - if you don't ask you won't get
5. Get them to confirm to you that what they will agree
How about that for an idea? Would you feel you had more control that way?
Munchy mentioned frost.ie. I think that's the poster who posts on here as Frostie. That's a business and will have to be paid to offer their services to you, and nothing wrong with that. That's also another option for you.