Thankyou both again for you replies. Can you recommend any good IP's I can talk too? Ill talk to Indra again tomorrow, but would be good to look around a bit. Im so glad I have found this website, im feeling alot more relaxed about things from reading through some of these threads. Its so nice to fi...

Thanks for your replies :) I certainly have alot to think about, and Ill certainly be getting futher advise. The job ill be doing is just a care assistant for adults with learning disabilities, my new employer will be Aberdeen Council, does anybody know if an IVA or BR will affect my job? From what ...

This is my first post on this forum, Im not sure if I have posted this in the correct place, appologies if not. Im sorry this may be a bit of a long post. Last year I seperated from my ex. We had a house (which was in my name only, no mortgage company would touch my ex!!) with a secured loan (the se...