I just had an hour long session with CCCS. It was suggested that my main priority is sorting out my personal situation - Getting to a point where my income at least equals my expenditure. With regard to the unsecured credit debt (Barclaycard and Lloyds) it was suggested I write to them that I am in ...

Since posting the above messages, I have delayed any action, as work looked like it was picking up, though I can see not enough to make difference. So now is decision time. Here is an update on my situation: I owe approx £45K - £33K to Barclaycard - £5 to Lloyds Bank Overdraft - £3 to Lloyds Credit ...

During the bankruptcy process, is there any interaction with the Tax man and or National Insurance ?

The three companies I owe are: Barclaycard, Lloyds TSB and Lloyds Credit Card. What pence in the pound are they likely to accept in an IVA agreement ? I spoke to one IVA Practioner today who said in the current market it is unlikely to be anything less than 40p. However the consultant I spoke to at ...

'but you will need to carefully explain how you have managed to rack up such a large credit card debt until you realised that you could no longer continue to service the repayments.' Melanie - Please could you expand on this ? Do you mean explain to Barclaycard ? At what point do I need to do this a...

Sarah - Thanks for the post - What happened during your dealings with Barclaycard, from the point your failed to make payments ? I am trying to figure out what to expect from them.

Barclycard increased the limit at my request, 3 or 4 times over the last 5 years. The account has always been in order until the last payment was missed, which was due July 1st. I have had severe work problems resulting in income lower than expenditure for the last period of time. However going forw...

Is there any speed issue in dealing with Barclaycard ? Can they quickly take me to court or do anything which would stop be going the IVA or Debt Management Plan route ? Do I need to make a decision before they might got to a court ? What is the usual timeframe for Barclaycard (or simular company) b...

The amount is all on one card. I am not sure which route to go with this. I am currently reading through info sent to me by the National Debtline....So I don't know a figure to tell you that I could offer them. What is my best next step with them ? They are expecting a call from me to let them know ...

I am considering an IVA. My total debts amount to £40K. £30K to Barclaycard. I have always managed to make the minimum payment to Barclaycard, except for the last one. They have recently contacted me by phone and asked what is happening, I told them I would contact them in the next days. What is you...