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[tigers_gonads]

Sorry I cant help with the financial advice (other than lose the non essentials like Sky, and fags if you can), not something I know enough about...

BUT...

I will also speak to step change next week personally

...why didn't you get this done days ago. Stop delaying, they are there to help, and I'm sure the relief following the initial conversation will be like passing a bowling ball. Do it!

This 

Dean, for the record mate, I used to be a total cock when it came down to money.
I lived the dream for years on credit until it turned to shit 
I've done the replacing 1 loan with another loan 
I've done the "sticking my head in the sand" bit 
I've done the denial thing 
I've done the running away thing too 
I affectively lost a business and very very nearly my sanity and my family because I wouldn't face upto it and kept running away

Trouble is, it WILL get you in the end unless you sort this out once and for all 

Be honest with them no matter what because believe me, these people have sorted out bigger oppsups then you have made 

Just think of Monday 23rd May 2016 as the first day of your new life because that's what it will feel like when the worries fade away and you wake up with a smile of your face 

[omega2018]

LC0112G thanks very much for explaining the COPE deduction i thought i had my head round the new pension but obviously i didn't.  not helped by hmrc hiding cope deductions behind assumed future years ni contributions. as you suggest i will request a written statement.

anyway i will have to buy more years, i had already paid £400 for 3 more years of class2 to bring me up to 35 years.  i didn't contrive to keep my self employment profits below the limit, they just are.  there are 2 more years of class 2 i could purchase (2014-16),  presumably i should do that as class 4s are a lot more expensive. Or is it too late for those class2s to count? 

i see class 2s will continue until at least april 2017 so I could increase up to 38 years but i have no idea how much further that would get me towards the £155 a week final state pension, if at all.   

The inland revenue links should explain what you can and need to do

yes they should.  they don't, hence my post

[moggy]

Sorry I cant help with the financial advice (other than lose the non essentials like Sky, and fags if you can), not something I know enough about...

BUT...

I will also speak to step change next week personally

...why didn't you get this done days ago. Stop delaying, they are there to help, and I'm sure the relief following the initial conversation will be like passing a bowling ball. Do it!

This 

Dean, for the record mate, I used to be a total cock when it came down to money.
I lived the dream for years on credit until it turned to shit 
I've done the replacing 1 loan with another loan 
I've done the "sticking my head in the sand" bit 
I've done the denial thing 
I've done the running away thing too 
I affectively lost a business and very very nearly my sanity and my family because I wouldn't face upto it and kept running away

Trouble is, it WILL get you in the end unless you sort this out once and for all 

Be honest with them no matter what because believe me, these people have sorted out bigger oppsups then you have made 

Just think of Monday 23rd May 2016 as the first day of your new life because that's what it will feel like when the worries fade away and you wake up with a smile of your face 

Just a quick update,not going in to details.But step change were not that helpful i will have to sort this out myself.Dean.