Thanks maxdebt, my folks are still having long conversations into the night as to how I could have spent so much money, and my grandmother can't even fathom it being from the generation that if you haven't got it, you don't spend it! I can only say that I have learnt my lesson having had a terrible ...

Thanks both, I am booked for a telephone interview with Melanie's team during my trip back - I trust them completely to give me sound advice on my options, but just wanted to be able to say to the OR that I had sought opinion from more than one source if that's the route I take when I get back in No...

Hi all, I don't know if you remember my posting from January - I am the one out in Saudi in a mess and coming back at the end of the year to sort it all out. I'm back in April for a couple of weeks to get some pre-advice and asked my dad to book an appointment with the specialist debt advisor. CAB h...

Hi Melanie If I came back now I wouldn't have the money to keep up with all my commitments including paying my brother back, so I have to stay here until I have paid him which will be Oct/Nov and end of contract as well. Here I am taking home 2,220 a month which is, as you say, just servicing my deb...

Just wanted to let out today's panic! I feel massively guilty at the extra strain this is having on my parents although I couldn't do this without their support. Every day since I realised what huge debts I have and couldn't pay back in a lifetime, I continuously can't believe I let it get so bad. I...

Hi everyone, wanted to catch up and ask another question re: the house and selling it. My folks have told me that they are not prepared to sell it for me or afford the upfront costs (valuation and homeowners pack). Does anyone know what would be the situation with my tenants if I came home now (I wo...

I guess that if I put these monies into my dad's account that would be looked on poorly? Am I reading Melanie's reply wrongly if it seems that if the money isn't in my bank account at the time of declaring, then it might be safe? I won't have a job when I get back, so won't have anything else to liv...

Thanks for the replies. My problem is that I need to sell now because I won't be able to afford the rise in mortgage rate in July. I also can't do anything until I have paid my brother back (October) as it would jepordise paying him back in full. So I have to sell, but will keep any equity separate ...

Thanks for clarifying Melanie, So would it be okay to sell now whilst I am still carrying on paying everyone and keeping up with all my commitments?

I've been looking at my finances and it seems best that I sell my share of the house as soon as I can as I won't be able to keep up the mortgage and rent payments, even whilst working out here in Saudi. (I would still keep up my payments to all my creditors). If I sell and there is any equity, I wou...

Dear Suze New member myself and probably the first to read your message as I am here in Saudi 3 hours ahead of you guys. I really feel for you - keep your chin up. I have to wait til November to come home and sort out my finances so at least you are getting stuck in. This forum is a complete lifesav...

Hi Melanie, I will take heart that you don't think my case is hopeless and will do my best to get through the months here until I get back to the UK to sort it all out. I will probably scout the forum regularly to keep my spirits up - everyone is so supportive of each other it is really cheering whe...

Hi Melanie Yes, at the moment I am making all my creditor payments as well as those to my brother, and none of those will be a problem until I leave here. Will April be too soon to fix up to see about an IVA for when I return in November? At least I will be home for a couple of weeks so I can go thr...

Hi everyone, thank you for your replies - I don't feel so alone and desperate now! We have to leave the Kingdom for 2 weeks at the end of our yearly contract and so my plan was to come back to the UK end-October, job hunt and then come back to Saudi to hand in my notice and be back in the UK in earl...

Hi Melanie Thank you for the reply. My loan to Northern Rock is for 20,000 and is unsecured. I only took this job as I thought it would sort out the money but it is only just paying the bills. When I come home in November, it will be for good and I will need to get a job asap - do you think we could...