If you are struggling with repayments you should seek some free advice from a firm of insolvency practitioners who will advise on what options are available. If you have debts to your current bank it may be advisable to open a new account to have your wages transferred into or there is a danger your bank will seize the money when it is paid in.
Seek some advice before you do anything as it is quick and easy to contact an IP firm. Good luck.
I think you need to seek some professional advice. Either click on the experts link on the left hand side of the page and contact one of the companies on there, or visit www.iva.com for a list of companies and reviews. Give one or two a ring and you will receive free and impartial advice as to all the options open to you and the best way forward for your circumstances.
You should open a new bank account with a bank that is not linked to any of your creditors. The Co-op comes highly recommended on here.
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