To MelanieGiles Sorry typed too fast, a bit of grenglish translation going on as well..., I meant one company only. I have never set one up, normally I was an engineer as permanent post, but the next contract I was thinking to set up a ltd company or go to an umbrella company. I was not sure if I ca...

I owe about 60K in credit cards due to bad problems I got myself with gambling. I already have a bad credit rating as I missed some payments. I am ni contacgt with an agency who is about to start the IVA process with me. However, there is one question I would like to ask you please. I normally work ...