Thank you for all the support and great advice, I will definitely be going to my local CAB asap.

Have a lovely Christmas all and a Happy New Year

Advisor at the time suggested bankruptcy but I really didnt want to go down that route. IVA seemed do-able at the time and I felt more comfortable with that option, after all they were my debts and I felt morally obligated to try my best to pay them off. Unfortunately circumstances changed + payment...

all together I think it was about £6000

there were 2 other debts which weren't pursued because of my lack of assets, I presume. This one has been relentless though.

No assets of any kind. How much does a DRO cost and what is the procedure? Debts are £3500

Many thanks for all the advice

Church mouse

I have just checked on the IVA list and I am not on it. I had an IVA in 2010 which failed 18 months later due to circumstances beyond my control. This debt (from a bank) has been sold from one debt collector to another for the past few years. It has now gone to a solicitor. I cannot pay this. I am u...