When I was late for my MBNA CC payment (last month) it was RMA that contacted me. A similar text and then a very polite letter saying that 'as I was a valued customer it was probably just an oversight that I had missed the payment.' Maybe Aegis have now taken over from RMA.

Credit for a car or something else is fine provided you can afford to pay it back. I spent 15 years with loans for various cars, holidays, etc. as well as HP agreements for electrical items and always paid the loans/HP agreements off. It's only been the last few years that I have had financial probl...

Which company are you trying to get the report from? I have looked at mine in the passed on creditexpert.co.uk and you can sign up for a 30 day free trial. You have to enter a credit/debit card as you will be billed after 30 days you can cancel it before then and not be billed. If you just want to s...

Thanks Melanie, you have put my mind at rest a little bit. I've entered an IVA Enquiry via your website so hopefully either you or someone from your team will be able to assist me.

Thanks Melanie, I was a bit concerned that the creditors would say something along the lines of 'in order to have this loan/credit card you need to be resident in the UK' and would request that the account be closed and the balance paid in full. As I can't now afford the minimum payments I suppose t...

Thanks for your help so far. One more question; I currently have my contact address for the loans and cards as my parents address in the UK but I was thinking about updating this to my 'real' address here in Germany. Is this advisable? I would prefer to provide my address as it will mean that all co...

Hi Melanie, No, I am not with HM Forces just here as a 'normal' employee of a company. Thank you for mentioning that I should base my expenditure on the cost of living here in Germany as this is something I was struggling with when completing the budget planner. As the €-£ is practically 1:1 at the ...

Thanks for the quick response David. It looks like there might be light at the end of the tunnel after all. I will have a look around for the budget planner and then start the IVA process.

So for the last few years I have been living in ostrich mode running up debts on credit cards in order to pay for things that I wanted but didn't really need i.e. holidays, clothes, etc. This resulted in me getting a consolidation loan to pay off the credit cards but rather than stopping the cards I...