Sorry, I should have said, I do have a regular income it has just been drastically reduced. ie from £4k to £1650 PM.

Hopefully that should clear things up.

Hi all, Wonder if you can help. I'm about 70k in debt. I borrowed from several banks and CC's and loaned the money to a friend who put it into a business and lost it. It isn't coming back. I have been self employed for the past two years and have been able to service the debt until November 08 when ...