Thanks Everyone, i am so relieved to hear that it is probably an idle threat. Melanie - you mention i can speed up the BR process by applying direct at the high court in London - do i actually need to visit the court there personally? I am in Newport and would take some organising with work, travel ...

Hello Everyone I apologise in advance- My posting relates to a Bankruptcy question and i have also posted on the sister website though you guys are also so helpful i thought i would run my worry past you too as you have helped me out so much when i was considering an IVA and DMP Some of you may reca...

Great news - Barclaycard stopped trying to call me......................

Now they are sending me texts!!! Saying my credit rating will be affected if i do not pay immediately.

No doubt they will call my work number tomorrow......

Hello, As many of you will know i am currently working on getting a DMP set up to try and get myself sorted. I have just spent the evening talking with my mum - she has been great and i can talk to her about anything - and she has put forward the idea, after listening to all my worries and thinking ...

Thanks guys, i think you are right.

First thing Monday I am definately telling work to transfer my wages to my other halfs bank account at Natwest at the end of the month while i wait for my Co-Op account to be set up.

Hello Barclaycard kep calling me to take payment for my arrears - so far i havent taken the call. I am in the process of trying to set up a DMP and i dont have any money to give them in any case I told M+S when they called me that i was instructing a Debt management firm to take things forward and t...

Thank you Melanie, Soulgrowth and all for your advice.

From readiing the extracts from the book i think it would be a great help to me

I think i will be looking to buy it when i next get paid!

No idea when the OFT report will be available. All i know is that there was some court case and all bank charge refund cases were suspended until the ruling? I realy dont want to try and work out how much in charges i have been charged over past few years, too scary. Doubt i have any chance of getti...

Thanks guys

I was very impressed after speaking with Andrew the other day and felt much more confident after speaking to him. I will definately move forward with him, i just thought i was going down the right path and then doubted myself after the call i got today

Its so wrong!!! I am with Barclays at the moment and in the past they have charged me up to £ 65 for a single payment that took me over my O/D limit. Just a few weeks ago a DD went out on the same day i got paid and they charged me £ 30 as apparently i went over my OD limit before my salary funds hi...

Hello I am in the process of setting up a DMP and in the interim am not making any further payments to my creditors. (i have nothing to give them anyway) M+S called me today asking for a payment by debit or credit card, but i explained i couldnt and was instructing a Debt management company - fair p...

Hello LadyJayne, i am new here to and it relly is a great support. After reading your posts i cant believe what your partner is being like. Surely if you love someone and you intend to be together for the rest of your lives, the important thing is to help each other and do whatever you can to sort o...

Neilb - good luck - sounds like our situation is diiferent to yours but i dont know what i would do if i couldnt share my money worries with my fiance Mind you, not sure if she would agree when i keep her awake in the early hours talking about it all! If you decide to sell the house good luck - ours...

Kazzy - unfortunately my employers dont pay for the annual subscriptions :( i have to pay myself. I am not sure what they would be allowed to say if the application was rejected due to data protection. I guess the best thing would be to call the exam body before you applied to see what their stance ...