I apologise to all the people who have tried to help me , but I honestly did not know that there are different laws for debt in the uk .And to be honest I did not see any reference to it on anyones web site , do any of the companies that have contacted me , have offices in Scotland or can point me i...

Can anyone verify a report on moneysaver.com that IVAs are not available in scotland , if so does anyone know what is available in Scotland.

Thanks Mrs skint ,Now that sounds like a good idea I will try and set that up tomorrow

What is the best way to approach the companies I owe money to , ie whom do I ask for , do they have a special dept for this , do I have to make them an offer , or can I possibly ask to not pay the interest for a couple of months , it is also going to be difficult for me to contact them as I am deaf ...

Hi Andy thanks for contacting me, yes I do hope to get back to full time employment very shortly which should take our household income up to around £2000 , I am not sure what my total expenditure is as I am still at the denial stage thinking that it will sort itself out , realistically I know that ...

My income has reduced from 1300 net to 450 net due to loss of job and now only work part time , I have just scared the living daylights out of myself because for the first time ever I have added up what I owe ( 33500 )and what I have to pay a month to service this debt to 7 creditors (1234 ) ,I own ...