Thanks everyone, it means a lot to us to know others are here to talk. Like most in this position, nobody else knows of our situation, fortunately, I have a wonderful wife who is totally supportive and at least we can run things past each other. We're off to a wedding today so the illusion of normality can continue for a short while. (Although we will be "table topping" and getting as much buffet in the wifes handbag as possible).
It's a bit overwhelming, but just nice to see people care and are interested in our situation.
We have been on the "hamster wheel" of credit for over 15yrs, and never missed a payment! But there comes a time you just have to say enough, we got ourselves into this, and we have to try and get our life back. We don't think what we've done is either big or clever, we do however want to at least pay something back to our creditors. We will post our full situation tomorrow after we have sobered up, thanks for being here, talk soon, happy Easter - remember - chocolate is a recognised food group!
IVA completed April 2013