Hello again Emma

Thanks for your comments. I'll have a route around see what I can find out.

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I've never really thought of declaring myself bankrupt (even though in reality I know I am). My worry would be for my house because there's a huge possibility of me losing that isn't there? I think I'm going to have to soldier on and wait till my car payments end. I suppose the only consolation is t...

At the moment yes, however in 2009 my car which is on HP is due to finish so that will give another £115 to add to the pot giving me £230 towards my DMP or otherwise. All my creditors are included some are only small amounts of a couple hundred where as one (Lloyds TSB who have unhelpfully offered m...

Hi thanks for the welcome Emma. Melanie to answer those two questions quickly, I owe in the region of £44.5k and I am paying £115 per month through the DMP. CCCS didn't really advise me on other options and like you say I think it was because I have equity in my shared ownership house, however at th...

HI everyone I'm new to this site so be gentle with me, but I could do with some advice from you guys. I have large unsecured debts from about nine different creditors some of which are banks and credit card companies and at the moment I have a DMP organised with the CCCS people. However a couple of ...