Hi, and sorry for not getting back sooner my disposable income before paying debts (all unsecured) is £452. my total debt stands at around the 60k mark. i rent property and have no other assets. i also wanted to mention that since my mental health problems became debilitating i have now been referre...

I experienced a period of mental health problems which caused me to be off work for 6 months and necessitated being under the care of a consultant psychiatrist. During that time my debt problems became acute and I took out a bank loan with the aim of consolidating debt. With hindsight this was not a...