Many thanks for your advise everyone [:D]

I will try and think more positively and when I'm able to I'll see if I can come to a reduced settlement with the creditors.





Mark

I wonder if anyone can advise me. I hit financial difficulties in 2000 but rather than enter into a formal IVA I began making nominal re payments and after a few months all of the creditors agreed to freeze the interest. I am now almost 7 years into this process and while the re payments I am making...