Thanks Kallis3, much appreciated.

Hi Anitajane,

Thanks for your reply. Best of luck for the creditors meeting next week... will be keeping our fingers crossed for you that it all goes smoothly.

Hi everyone, Thank you so much for taking the time to reply... we really appreciate your kind words, support and honesty. Will try to include everyone in this reply but please forgive me if I miss somebody/something out! Kazzafunk - I'm sorry your health is not great at the moment, sending you heali...

Hi Kazzafunk, Thanks for the reply and good advice. I do feel totally ashamed and particularly worried about the impact on my son. He's nearly 15 and this is the last thing he needs right now. It's all my fault... I left nursing when he was little with a pipe dream of running a complementary therapy...

Thanks! Appreciate your advice. Hope time speeds through for you to completion.

Thanks for your reply and welcome, feeling pretty desperate at the moment. When able to think clearly can probably see that consolidation is unrealistic, hoped it might just get us through until the house sold. The equity would have cleared our credit cards and we would have just continued to pay th...

Hello, Would be grateful for anyone's advice/opinion on our debt problem, don't know which way to turn. Situation is this; Have a mortgaged property and owe £96,000 - no arrears (yet). Estimated equity in the region of £50,000 - tried to sell (on the market for 12 months, no joy despite reducing pri...