Thanks for all that input it made me laugh. melanie - I think you hit the nail on the head. The company who called me are called 'ClearStart.org'. When he took down my incomings and outgoings he worked out I was £500 a month short to make ends meet. But what was odd was that he decided to ignore a c...

Thanks angela and andy. I'm confident a solution is out there but am not sure which IP to choose (does it matter?). The letters just seem like they are designed to strike fear into you before you even open them - and I just dont think its fairplay. After all I was never prepared at school for dealin...

KB - your not alone here and I really hope there is comfort in that. I know how you must feel and wanted to let you know that people here are listening to you. Although 'now' seems like such a time of dread and fear somewhere along the line it will get better and I think we just have to hold onto th...

Hi - I just joined this site a few moments ago and already am beginning to feel better about my situation - the details of which I wont go into now. So thanks for setting this site up and thanks to everyone here who is sharing their experiences. The important thing for me is to remember - it is just...