Thanks, but I won't go to Lloyds. It's partly their fault I'm in the mess I'm in. When I went in to try and sort out my spiralling debts, they kept giving me more and more loans for more than I needed, despite it being obvious I'd struggle to make the payments. I even made the local papers over it t...

Thanks a lot Andy. Small credit and prompt payment is all I want - just something to prove to them and I guess myself that things have changed.

Hi. I was made bankrupt in February 2003 and discharged under the new rules in April 2005. At the time of my discharge, I was earning c.£15,000 - in March 2006 I was made redundant but within one week of my notice period ending I was in a new job that earned £16,000 per year. After three months, tha...