Yes, they would be one of my creditors, so think you´ve answered my question. Arghhh its a viscious circle.

Thanks everyone, the problem is that I live in Spain and work in the UK so I am booking flights every week on the internet, the company I work for does not accept cheques any more even, my debit card is with lloydstsb, it is a visa debit though so not sure if I would be allowed to keep it, which put...

Hi, im thinking of going into IVA, ive looked at the various websites and I do qualify, but my problem is, I at least need a debit ir credit card for work purposes, so how would I get around this, if I could?