Hi there,

I'm just starting out too, and I feel your pain. I've had great support from the people here though, and they will help you simplify things and keep you sane!!

At the end of the day, you are trying to improve you life and there is nothing wrong with that.

Good luck!

I always got on well with Plumbers, I was a Rigger. So I actually worked for a living hahaha!

Yeah I've had a bout 4 consolidation loans over the years, I've no idea how going into the bank with money problems always seemed to end up with me getting in more debt? I guess I should have realised but when the bank throws money at you it seems like a quick fix simply because your monthly outgoin...

Lem: Yeah you're totally right. I'm nearly 35, and I'm not messing about being a bag of nerves and worry just because I've made some silly money decisions in the past. My debt has always been a sort of dirty little secret, I'm always pretending I'm financially secure when I speak to people when insi...

Oops, it seems a word I used was a bit racy and was starred out, it wasn't that bad I promise!

I have to say, some of you ladies and gents are pretty b***** inspiring!! I've spent the afternoon writing my letters so I'll get them posted in the morning. I asked the bank if they would accept £1000 to settle a loan as I'm almost in the last year of a 7 year agreement and I've never missed a paym...

Thanks Melanie,I'll start my letter writing today when I awake after night shift.

It's nice to be getting some sort of plan together,it feels kind of good!!

Paul

Wow, thanks for all the replies, and kind words of encouragement! I'll have a look at the websites suggested above, and get further advice. As for bankruptcy, I have no wife or kids, no house and my only real asset is a car worth about 5 grand, plus the pension and shares mentioned above. My job is ...

Hi Everyone, So, like everyone else on here, I'm in debt, and I'm after advice. Apart from those that have beaten debt, to those I say a big well done! It seems a nice polite and pleasant forum so I thought I'd register and maybe get some help with my questions[:)] First off, my debts are £23000. I ...