Well its been a whole 2 weeks since i last even looked at a casino website, although the road is hard i think i am pulling through okay. I joined a gym so that i wont be sat at home and tempted to log in, have also got rid of all my credit cards (6 in total) and requested my banks not to send me pap...

Many thanks everyone for the supportive messages, i have today cut up ALL of my credit cards, and banned myself from the gaming websites!

Let's see how i get on in the next 7 days.

Thank you all once again

Nathan

Hi all, its been a while since i last posted, i was in the process of going to start an IVA, when a genourous family member offered to pay me £5,000 to clear some of my immediate debts. 4 months on i still have a float left, however i am now falling back to having a flutter online @ casino websites ...

Hi Andy, Many thanks for your informative information. I have just spoken to the IP and have discussed my reasons for not wanting an IVA straight away. I explained my current salary structure and expected incremental bonus payments and they have advised as long as i'm aware that the Debt Management ...

Hi Andy, Many thanks for the reply. I too didn't think that an IVA would be the right way to go but i've arranged for an IP to contact me later today to go through my income & expenditure budget. A large part of my debt was due to a gambling addiction following a period of depression which in time h...

Hi all many thanks for the valuable information, i feel slighlty more positive reading the responses and now have clearer questions to ask my IP when we next speak. I've been told from a family member who is also aware of my situation that they could potentially have £7000 to give me in 3yrs time wh...

I forgot to mention, that the IVA people said that my payments could roughly work out to be £350. so in light of this, can someone give me a breakdown of possible settlement figures for say year 2,3,4 and 5? I am just curious to see what this could potentially be, i've read from others on the forum ...

Thank you all for your replies. I can give you more details below about my situation. I'm 26yrs old, live at home with parents & work in IT. I earn after a tax a salary of £1300, of which £350 is my rent, and another £250 for car insurance. Due to my high level of travel i pay slightly more on my ca...

I've just made the first step of identifying i'm applicable for an IVA: current debt level £30k I've also made an application for a loan of £20k to Northern Rock for a loan over 10yrs, stating that i'd like to consolidate existing debts. Although i haven't received paper work for either as yet, i wa...

I wanted to ask the same question, i currently owe £32k, and another £6k to my parents So i now understand that i can add this into the form i should receive from my IP? - and that will allow my parents to also 'vote' at the creditors meeting? Will they be required to attend in person or is this act...

Hi Everyone, I've finally made the intial step and taken a reality check and have started the 'process' for an IVA. I'm 26 years old, have a steady job and income and live at home with parents. All seemed to be okay before i realised how much i was spending and using cards and loans to fund a lifest...