Hi Melanie! Thanks for the reply! Yes of course it would be great to pay back the creditors asap! I am just saying that it would mean that for me personally it wouldnt be worth the extra work i would have to put in to get a rise if i dont see it for 5 years. Although i understand that in 5 years tim...

thanks for the info everyone! makes interesting reading! For example i am in the process of going for an Iva as soon as the paperwork comes through for me to sign and send back and get the meeting arranged. So i understand that if i get any pay rises within the 5 year period i will have to give it a...

thanks, i understand now!

sorry to but in on this thread, but when you say 75%, do you mean the lender who has given 75% of the total money? the reason i ask is that i have issues with 3 creditors and i thought that would mean that all 3 would have to say yes because if only 2 vote it is then only 66%? does that make sence?

thanks soulgrowth! Another couple of questions i thought of today. obvestly at the mo i am looking into an IVA etc and will get advice, but in the meantime i am still putting money on cards etc just to live. Will i get done for fraud or something by carrying on buying food and fuel etc on my credit ...

Great, well i have submotted Melanies "quote form" on her website! I am hoping an email back or phone call after monday to discuss. I just hope that it works out, i work really hard for my money and for the last couple of years i havent been able to enjoy any of it because it just dissapears! I cant...

thanks for the replies! :-) I have looked at that budgeting thanks Kazzy! It lookes like i did have everything on my budget, i didnt know i could put car maintenence and tax on there though! Im getting somewhere! I have also applied for the Natwest Step account. This should hopefully come through so...

Hi everyone! It is very eye opening and relieving to see other people on here! I actually feel better allready by writing this! I am a young guy (well 25 not really that young) and i have been using credit cards over the last 7 years. I have bought things, done things, and havent got much to show fo...