Thanks Ang have not been able to concentrate in work today but in a sense I do feel better. The other day I felt I was the only person with this problem, the thing is I have only been in this situation since having my children (the oldest nearly 5) with being on maternity leave and then having my yo...

Thankyou for your replies after discussing this with my husband and the pressure we are both under we think that this is the right way to go I will get organised this week and contact melanie also

Thanks for the reply steve we have the following £38000. approx Me natwest:overdraft co-op bank:credit card northern rock: loan next:store card Husband natwest:overdraft Virgin:credit card northern rock:loan alliance and leciester:loan complcated situation we are currently seperated and have 3 small...

Hello everyone this is my first post and am thinking of an IVA my husband and myself are struggling and unsure which company to use can anyone please give me any advice regards lisa