To add to that I also pay into a police pension which ends in 2015. Can anything be done to say freeze amounts and use money from that at a later stage?

I presume also that child benefit and child tax credit count towards income?

I have posted on here recently and have been helped greatly by the assistance given. I have mentioned before I have debts of approxiamately £90k due to debts arising from gambling which resulted in loans and credit cards, being paid with loans and credit cards and so on and so on. I am having medica...

I can't help thinking what I'm asking now is a bit naive! Anyway here goes. I am seriously considering an IVA. I am likely to be renting a property and have my 16 year old son with me. What determines the amount in the £ you pay? Is it the size of the debt ( mine is £90,000 to 8 creditors)or is it t...

Again Thank you everyone. I will contact Melanie and see how it goes from there.

Thanks for all your comments everyone. I intend to tell her. Its just that I have to get my son through his GCSESs. He finishes mid- June and to upset the applecart before then would be even more selfish of me than I already have been! My debts have arisen through gambling and then through paying of...

Hi I am new on here. Never realised such a site and feel better knowing people I can talk to. I have 90k worth if unsecured debt on credit cards and loans. My wife knows nothing about it. I pay by taking money from cash machine on credit cards to pay other cards. I have now come to the inevitable cr...