hello my sincerest apologies for causing problems. i honestly didn't realise that i had filled in the wizard and obviously didn't read anything properly. i am appreciative of the advice i have received and so sorry to have upset anyone. will try to make sure that i read things before i submit them i...

Again i have to say a big thank you to all of you are interested enough in my worries to respond. I really appreciate the advice and encouragement i am receiving. i have learned so much from this forum. To answer some of the questions - i live in Cornwall in a pretty rural village where the local pa...

hi everyone - sorry to hear that mbna can be so nasty. i'm just at the beginning of some kind of process and as i've always managed to juggle and pay minimum payments i think a number of my creditors are going to be surprised. mbna have alread started hassling me with phone calls as they are the fir...

many thanks for the replies received. it is good to know i am not alone and there is hope somewhere. unfortunately i have no assets as i live in housing association accommodation with a visiting warden (twice a week), no car or jewellery just books and my elderly companion cat. my income is made up ...

i finally reached the end of my 'juggling' with credit card debt and was first advised to set up a DMP which would take 12 years to pay off at an amount i really couldn't be comfortable with. when i queried the budget figures a new estimate of 35 years was given and i was told i would have to self a...