Hi Michael, I cannot get any credit, though i have not missed a payment on any debt(so far). I was thinking of asking my partner to apply for a virgin credit card (0% for 18 months). Transfering 5k from 2 cards on to this, paying at £200pm for 18 months £3600 repayment. I could then transfer the rem...

Income details

me -£2100
partner - 700
child benfit - £143
tax credit £43

We are repaying £410.00 for the in laws loan and £260 for my partners loan.

Michael, the debts are split as follows. Me Credit cards - £11,000 Bank Loan - £4,500 overdraft - £3,000 Partner Loan - £12,000 In laws loan - sits in the middle as obviously no agreement was signed. I suppose I really am looking at getting through the next 2 years. As i said in my original post, in...

Thanks for the responses guys. Melanie, I completly understand what you are saying regarding the in laws loan. I dare say that "ring fencing" is a highly unlikely option to have but of course I really do not want to penalise them and i assume it would go on their credit record. This is the whole rea...

Hi guys, My name is Michael and I have come on here to seek advice. Bottom line is, I am £39,000 in debt all unsecured and i do not own a property. Credit Cards - £11,000 Loans - 16,500 Overdraft - £3,000 In laws Loan - £9,000 Bottom line is that 7 years ago my partner and I split up, we were apart ...