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All came to ahead when Mint let me go £2500 over my limit and then asked for £2800 as a min payment.
Started a DMP with 123debt solution and payed for a year £700 amonth, then Innovative finance lured me with the offer of being able to get my debts written of, I know stupid!
I then read an article by Ann Marie Woodhall of Bankruptcy4u. Decided to go bankrupt, but after speaking to Ann Marie she told me I would be better of doing a Full and Final IVA as I had equity in my house.
She put me on to Guardian Business Recovery in Ludgate Sq, London.
Today the meeting took place and my IVA was approved 19p in the pound.
With out the fantastic advice from these 2 companies I would have been paying for over 11 years.
Now I just have my mum to pay back some time.
Be careful out there, companies are making money on the back of our missery.