Ok bit the bullet today and went to my mortgage lender and received a cheque for 22k enough to pay of the debt and a bit of spending money for a well deserved holiday for me the wife and kids we will have a cutting and burning ceremony of all the little credit card demons and will be signing a decla...

Thanks again for the reply’s unfortunately in toady’s world there are far too many people abusing the disability and unemployment benefit system which makes it extremely difficult for genuine cases I wouldn’t blame Neil for his reply in fact four years ago I would have been of the same opinion but I...

Hi guys thanks for all the replies here is some more info that some of you asked for..

total income 25k pa
long term disabled would dearly love to get back to work but caught in the viscious circle (goldfish bowl) [B)]
not on my own my wife takes care of me and kids (God bless her)[:)]

Hi I have a mortgage of 48k on a £250k house and have credit card debt of 19k I am unemployed (disabled) with 5 children and have never missed a payment in todays world I am finding it more and more difficult and I am worried that my debt my spiral out of control in fact I am allready trying to find...