sorry melanie, i posted the question this morning and its only just been posted. I did get your reply thank you. I shall be contacting your office tomorrow.

Hello, i have debts of 41000 (47000 if you include my student loans) They break down as follows Natwest loan 20000 Natwest credit card 5900 Halifax credit card 11000 benficial credit card 950 GE capital loan 2500 Student Loans 6000 I am no longer going to be able to keep up payments after the new ye...

Melanie and Kallis thanks for your replies

Melanie, will i be able to phone your office tomorrow morning to have a chat with someone to go through all of this? I would prefer to have everything completed in 5 years, (the sooner the better!!)

Cheers kallis, am off to work in a little bit (no rest for the wicked!!!!) so will wait and see if i get a reply off of melanie or anyone this afternoon and then ill be on the phone tomorrow morning.

Thanks for your replies, its so nice to talk to people about this without having them tut[V][V] at you or making you feel any more stupid[:(]. I have posted my question in the new questions thread so hope to get some helpful answers soon,
Hope you are all ok

Hello everyone, i am new to the forum, so be nice!!! i will try and give you my details here to see what you think is my best course of action, As of this month now that my company has new owners all overtime has been permanently stopped so with my income at its basic i am no longer going to be able...

Hi everyone, just waiting for my first question to be answered so i thought id drop you all a line and say hello. I have been looking over this site over the weekend and it has finally helped me face up to my problems and hopefully get them all sorted. Be good to talk to people and make new friends ...