Anyone on this site who feels slightly guilty or ashamed of their debts, please stop now. It is incredible isn't it, how we are all harassed over our debts, chased to the bitter end. We are all individuals, who at times have made mistakes. However, the bankers, corrupted by greed, are allowed to get...

Keep posting Octagon. We are all here to support one another!

I am really writting this for anyone who is browsing the site who is thinking about sorting their debt situation out. I starting getting into debt at the ripe old age of 21. 10 years later I decided to finally confront the issue as it was making my life a living hell. I started to get panic attacks,...

Thanks for all the advice. It really helps to get other people's perspectives on this.

Hi there. I am currently in the process of sorting out an IVA and have a creditors meting on the 6th August (fingers crossed). Most of my creditors have been fairly understanding except for Royal Bank of Scotland. They are in the process of taking me to court to get the money I owe them. I received ...

You certainly will kallis3. The situations we get ourselves in often make us better people when we come out the other side.

Debt is only a circumstance. Even though debt is a negative there are many positives when reflecting!! [:)]

Thanks kallis3. Glad your proud of sorting out the situation and so you should be. Don't be ashamed of the amount of debt. I totally understand though why you only talk about it with your husband and on this forum. I felt like that for a long time. I've run up tens of thousands of pounds of debt but...

I would certainly agree with what has been written here. I am currently looking into an IVA after years of struggling with debt. I can understand why people dont want to give out information and are scared to talk about their debts. Debt carries a terrible stigma within our society as we place so mu...