Just sneaking back in before I go to bed! We have one HSBC credit card in my name, one is my husbands name, a loan in both names. The Northern Rock loan is in both names. We would consider anything that we could reasonably afford and that would, one day, mean we were debt free!! If it takes longer t...

Thanks for your help. I do completely understand that it's our own fault for getting into debt in the first place. But I also feel a little p*ssed off that they allowed us to borrow so much. HSBC have been fobbing us off with bigger and bigger loans for over 3 years now and it's reached the point th...

Would IVA definitely not be an option? I can't imagine how long it will take to repay the debt if we don't do IVA, and bankruptcy is definitely not an option because of my husbands job. We have 2 young children and I really want to dig us out of this debt. We have tried consolidating it before which...

My husband and I have debt totalling around £30,000. We owe around £20,000 to HSBC and £10,000 to Northern Rock. We have only been late on payments a few times but are now struggling to keep up, especially as I'm on maternity leave and won't be returning to work. If we went for an IVA, how long woul...