Thank you for the advice Melanie. I have an appointment with another company tomorrow. But its just knowing whats for the best at the moment. I;m hoping that things feel "right" soon somewhere.

I have previously *months ago* posted here, and stupidly I wasnt in the position to take anything seriously about my money problems. I am really hoping I have manaaged to change, because sadly, even though I would love to say that hoping that things would get better - they havent *and that has been ...

Basically, having worked everything out, I have about £40 disposable income each month, if that though. I had wondered about the student loan, exactly because of that reason. But that is good to know. When I took out both of my loans, one bank seemed more helpful than the other. They both showed me ...

Thank you for the kind welcome. Ok, so the list begins :- I have one loan for approx £19k (which I believe I owe now, just under £15k - and sadly another 6 years to go on that one). Another for £11k but I am not sure how much of that I have paid off, but that ends in 4 years. Both of those are with ...

I am considering an IVA but I am really not sure that this is the best thing to do right at this moment. I currently have 2 debt reconsiliation loans, which are taking up most of my income, a small store card *which isnt really a problem compared to the others, as its about £80* and a credit card, w...