I took all your advice, thank you very much, and contacted an IP from this site(Andy Davies) I had a very informative telephone conversation with him and hopefully I will be starting a DMP shortly and possibly changing to a IVA when finances get better Thak you for all your support it feels like a w...

I have been self employed for on and off for 25 years as I am finding out to my cost payment protection is not worth the paper it is written on if your self employed especialy if you don't have an accountant. from my experience It can sometimes be difficult to get credit if your self employed also y...

Do you think under the circumstances that I may be better writting to all me creditors explaining my medical situation, I can even supply a copy of the medical sick note, and the knock on effect it will have to my finances and ask them if they can defur payment for 5-6 months and freeze the interest...

The problems with my eyes is the retinas are detatching due to cysts growing inside my eyes. have to go back in Feb but have been told not to work or drive (could void van insurance if I have an accident) they think it should go of its own accord in 4-5 months but further tests need to be done. On a...

Thanks for all the support Hospital appointment is this afternoon I am in Leeds, West Yorkshire so Will contact a few IP's as you have suggested Already has feedback from one from one I contacted prior to posting yesterday they sugested a Debt management agreament to start with and if I can get back...

Thank you everybody for the advice I will contact an IP tomorrow after I have been to the hospital and found out how bad my eyes are. Is there a company that people recomend we could do with someone who will come to the house so we can go through every option but it has to be free as we have no mone...

I am/ was a self employed telecommunications engineer (sole trader) In December I was diagnosed with problems with the retina of both eyes which means I am losing my sight and I can’t drive or see to do my job properly and as such was initially put on the sick for 8 weeks (started 10/12/2010). This ...