Thank you all for your kind words, I do actually feel a bit more relaxed from them. The funny thing is, I dont know about the rest of you, but to say what I have actually gained from this debt is really not an awful lot apart from some clothes and shoes, I have nothing that is worth having myself in...

Hi everyone, just came across this forum and decided to join as you all seem really nice :o) I have just received my application pack from Baines & Ernst and so far so good, they say I tick all the right boxes. I am really scared / nervous even more so now that I have admitted my debt which is appro...