Baines and Earnst.

[quark2008]

Just to let you know that i'm using them. Not probably my best move,however things have been moving so fast and i've been in panic mode for nearly a month now, so a few more weeks of vomit inducing stress won't make much difference. I'm considering BR, i have no assets.No property, and i'm studying to be a midwife and working full time time as well. Thanks for the replies from those of you who read my last post.#13;#10;

[Viki.W]

Hey Quark, just wanted to say good luck and I hope you keep posting for support, Viki X

[quark2008]

Thank you Viki.I'll be honest here and say that at no point in my life have i ever felt so ashamed of myself. Yes i have had a great time spending the money i have borrowed, seen the world, taken courses etc etc.I have met some amazing friends on my travels who have helped support me better myself.The NHS are paying for me to study and further my career at Uni as a reward and i'm so grateful for this.However, it's shocking just how quickly one can fall behind in repayments,i cannot do any overtime as i was before because my studies take up so much time.I've always met my responsibilities, and i guess feeling out of control now, hasn't really done my self confidence any good.I want to pay my debts off of course, but things are getting so expensive these days. I'm waffling, dare i say i had a good bawl this morning when i woke up received a phone call from one of my creditors and 7am ! this is such a horrid situation to be in, and i don't want to get into any trouble with the law, that's how paranoid i am, fearing the law !!!! Pathetic. #13;#10;Mark

[Viki.W]

Ah Quark,

Don't worry the "law" won't get you! Don't feel ashamed, you are doing something about your debt, not burying your head in the sand, this is a good thing. I'm sure it won't be long until you feel a bit more positive.

I had TSB phone at 8.15am this morning and I thought THAT was bad!

Chin up, you can cope with this and we're all here for you, everyone is going through or has gone through exactly the same stuff.

I, too, can't believe how the debt mounted up but you can't go back.....only forward, it'll be OK.[:)]

Viki X

[chardonnay]

Hi Quark,
Viki is right, we've all been there and the debt grows like a weed!! Don't feel ashamed, you are now facing the debt and doing your best to correct the situation.
We're all here for you, the calls are distressing - I found Goldfish the worst, they like late nights and early morning calls!!
I'm with Baines & Ernst - it seemed slow to start with but everything got sorted and my IVA is up and running.
Chin up,
Chardonnay

[abc]

No halm getting a second opinion before you sign if you are already have second thoughts. The IVA is a five year committment and should not be entered into lightly.

If you need further advice before signing, make sre that ou speak to an insolvency practitioner fist and make sure you understand ALL your options.

For bankruptcy see http://www.insolvency.gov.uk/pdfs/guida ... ruptcy.pdf