Zing

bare in mind even if the worst happens and you end up with bad credit marks they are only there for 6 years.Even CCJ's are off after 6 years. I had a credit card debt I just could not pay and all I could pay was the interest every month so I simply stopped paying. A few months down the line ( about 200 quid interest was added) the debt was frozen and passed along to the banks debt collectors. I made an arrangement to pay back the debt over 5 years no more interest 6 years where I could not get in any trouble credit wise and now its paid off and my credit rating is clean

obviously you need to pay your mortgage and prioritise the rest imo. Some companies ime do not even pass on the info to the credit refference agencies

get a free report from experion see what is recorded ( sign up for free month then cancel)