Thanks Ian Trouble is I live in a small village & I know that everyone will know. Well not much I can do about it, I suppose it is the price you have to pay for running up debts & not being able to pay them. Does anyone know how long after your first month not paying B/card they start sending the po...

Someone once posted that Mercers/Barclaycard often send through postcards saying they are going to do a doorstep collection, is this true? As B/card are a large creditor of mine. As I have a very very nosey postman who I know will read it & will soon spread the word about what I have received never ...

congratulations!

Thanks Andy

Andy How do I add to my blog

My last 2 entries seem to have gone under comments I would like to add them to my blog page. Can you tell me how please.[:D]

Do I edit the origional post?


Thanks

Mrs Skint

well done, you know we will all be coming to you for the riot act now.[:D]

Vad well done on taking the first step, best of luck

Both my mum & dad are gone so i do not have the worry of telling them. The only person I have told is my best friend & Dr and poor old Tina (from Melanies office) copped a very tearful call from me when I was in a dark place a few weeks ago. It was such a releif to talk to someone. It is worse for m...

Ian

I think it is great that you have helped out like this.

Skippy I can hardly beleive what has happened. I Think it is the owner who should be getting the punishment after all they were in his shop. He should not have them in there to start with. Plus lets face it girls look far older than they appear and your mum would not have even thought twice about as...

I was very lucky as I found Melanie & her team just in time she represented herself so well on this forum that she sold herself to me. I must admit there are some other experts here as well that are very helpful as well. I am so glad to have embarked on the IVA route .it is early days but weeks seem...

Best of luck Mikey for next week

Angela like i said i too am at the same stage & feel like you but please do not feel like giving up as we have a great team helping us plus all the support here.We have taken a massive step getting this far so lets plod on together. The guilt is by far the worst thing to live with.(Have a read at my...

Thanks Melanies that is very re-assuring , I have sent everything back & received the welcome pack. Do I have to sign & send back the R3 form. It says have you discussed this with your IP but we have not actaully spoken yet so was not sure if to send it back yet.

HI I had a couple of days like this last week as it was one of my sons 20th birthday & my daughters 18th and could not afford what I really wanted to give them felt a bit like a massive a failure. But what I did get them they loved and was special. I think the process of sorting out debt it a lot of...