thanks for your kind words everyone, I will keep posting and let you know how I am getting on. This is a big turning point for me, all these crippling debts came as a result of a marriage and its breakdown, ended up selling my house, fell into depression but through all that, now renting but can see...

thanks, i can see i will get a lot of support from this site. Although very early days I feel like a bit of a weight has been lifted already, just getting it all out in the open........

This is my first posting on the site, I have just had a chat with a really helpful and kind lady regarding getting an IVA off the ground, took some courage to take the first steps but I feel positive that I can take some serious action and get my life back, really helps having this forum here, has g...