I haven't started paying them yet as I hadn't earned enough to do so, they are due to start coming out in April this year and it'll be about 80-100 a month which will push me over teh edge to be honest

when I call, just ask for yourself then???

appreciate your help

thanks
[8D]

the A&L and Ulster bank amounts are bank charges that racked up and up and up

Also to mention that I live in Northern Ireland so law might be different, if you have any contacts in NI I'd appreciate them, PM or either reply on this thread if it's possible

thanks for the feedback carl bankruptcy? bit of a stigma attached to that and I don't know what DMP is??? the rent I pay has all taxes/rates included. What are my options? Is it worth seeing if I can get my Welcome finance loan amount reduced even though it might take longer and be more expensive to...

per month payments Loan welcome finance 220 Daughter upkeep 150 (200) rent 400 home insurance 10 Credit card 30 loan provident 60 ulster bank repayment 25 A&L repayment 35 Oil 40 electricity 25 food 120 travel ticket 55 clothes/ toiletries/ cleaning stuff 30 ----------------------------- 1200 so yes...

no property involved, we couldn't afford it

my earnings are about 1280 take home pay

my outgoings are 1200 a month so I have just over £2 a day to live off

that's why I can't go on like this, I can't afford to do anything with my daughter when she comes to stay

sorry I forgot to add my student loan of 3.5k[:I] so it's about 15.5k intotal

I'm currently separated form my ex and just about to start a divorce. I'm also considering an IVA on £15k of debt. If I get an IVA does my other half need to find out about it? I pay her money each month towards our daughter's upkeep, even though I get her twice a week at my home. Does IVA mean ther...