Hi Melanie, Like I said I don't have statements or settlement figures here. Just working it out from my guesses I reckon about £32K inc overdraft, cards, loans etc, but could be maybe £5K less or more I think. Thats a terrible amount and terrible that I don't know what I owe without checking it all ...

Hello again - I'm reading all those blogs and links so thanks again everyone. I've done some maths and can't believe how long I've been relying on my 'good' credit to pay for bills! I have a mortgage for about £130K (I need to double check on last statement) and my house value is about £140K I recko...

Wow guys - thank you! I can't believe how supportive and helpful everyone on this forum is :) I'm going to re-read all your replies carefully and post again but for now I just wanted to add that maybe I wasn't clear in my 1st post. I have i'm in full time, permanant contact employment AND also run a...

Hi, I'm looking at an IVA (and can't believe I've got myself into this situation). I have a couple of questions and would really like some help if it turns out an IVA is best for me and people I owe... - I have a huge amount of debt and have already remortgaged. Basically I have not defaulted on cre...