Hi Sue, We are certainly looking after ourselves as best we can. It is a stressful time, especially dealing with the legalities (default notices and the like). However, we don't beat ourselves up over the situation we find ourselves in. Sure, in hindsight I've made some bad decisions, but nothing to...

Hi Tracy, Yes, like yourself, I believed I could eventually fix it by borrowing to live, but things have got too bad now. The crazy thing is, up until last month I could still write credit card cheques up to the value of £22,000!! When you are desperate and you are given increased credit and 0% cheq...

Hi Andy,

Thanks for that information.

It is worth considering.

David

Hi Melanie, Thanks for the reply. Does the solution you suggest still involve a 5 year repayment plan? My fear of going the IVA route is the pressure of keeping up any repayments for 5 years. I have come to the conclusion I cannot hold down a regular job. Although that sounds defeatest, I am a posit...

Hi, I'm new on here and want thank all who contribute. It is has been a tonic to read the advice and experience of others on this board. Please allow me to tell my story. I'll keep it as brief as possible. I owe £86,000 on credit cards and loans built up over the last 10 years. I can't do an IVA for...