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Hi Niddy, love the new site, it is fab 
, like the smilies too ;-y
Ok quick bit about us, have a heap of debt and have struggled for years juggling and just managing to pay the min payments, like many other people on here.
There were changes in work, having to move and then personal things with my Dad. No excuses and absolutely nothing to show for it, except a heap of grey hair
tlook We sold our house just when the credit crunch hit, cleared the mortgage but nothing left over and are now renting. I was looking at bankruptcy and hubby was looking at an IVA and then found Niddy's thread. Hubby started asking Niddy for help and advice but due to changes in his work I was given charge of the paperwork ;P-;
The accounts were all up-to-date until early last year when everything hit the fan, tried to negotitate with the banks but they kept on adding more interest and charges no matter what we said. Pleaded with them on the phone at that time, but now know better not to speak to them and the phone is much quieter these days.
, like the smilies too ;-y Ok quick bit about us, have a heap of debt and have struggled for years juggling and just managing to pay the min payments, like many other people on here.
There were changes in work, having to move and then personal things with my Dad. No excuses and absolutely nothing to show for it, except a heap of grey hair
tlook We sold our house just when the credit crunch hit, cleared the mortgage but nothing left over and are now renting. I was looking at bankruptcy and hubby was looking at an IVA and then found Niddy's thread. Hubby started asking Niddy for help and advice but due to changes in his work I was given charge of the paperwork ;P-; The accounts were all up-to-date until early last year when everything hit the fan, tried to negotitate with the banks but they kept on adding more interest and charges no matter what we said. Pleaded with them on the phone at that time, but now know better not to speak to them and the phone is much quieter these days.
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