I used to pay 726 but that was in my previous job. In order to stop gambling i made some big life changes and one of them was changing jobs. I work for a limited conpany now in my wifes name for obvious reasons; bad credit in my name and to limit my access to sums of money. I only get minimum wage and so does my wife with the odd dividend. One of the conditions on me not getting kicked out (at least to start with) was that the debt was my fault and therefor my problem. Technically i cant afford any repayments but i didnt want to not repay as it was my own doing. So we set it at 321 a month.

CitezenB, Thank you for your post. I'll get on the CCA's straight away. I don't believe I have had any charges or been mis sold PPI, I shall check what statements I can find, and the SARs as and when they come in.

Here is my noddle information.. Original Creditor: MBNA DCA: LINK Amount OS £ 4970 Start Date 28/09/05 Default Date 29/11/14 Arrangement to pay? £28.55 Stepchange Original Creditor: Natwest DCA: Amount OS £ 7865 Start Date 02/06/12 Default Date 16/05/14 Arrangement to pay? £33.05 Stepchange Original Creditor: Tesco DCA: Amount OS £ 2762 Start Date 10/09/12 Default Date 26/06/14 Arrangement to pay? £10.73 Stepchange Original Creditor: Bank of Ireland (Post Office) DCA: Amount OS £ 6375 Start Date 02/11/11 Default Date 16/08/14 Arrangement to pay? £44.47 Stepchange Original Creditor: Barclaycard 1 DCA: Amount OS £ 12223 Start Date 20/01/11 Default Date Listed as Late payment but received letter recently saying defaulted Arrangement to pay? £70.08 Stepchange Original Creditor: Barclaycard 2 DCA: Amount OS £ 4218 Start Date 21/01/05 Default Date Listed as Late payment but received letter recently saying defaulted Arrangement to pay? £23.19 Stepchange Original Creditor: Santander Loan DCA: Amount OS £ 9831 Start Date 04/11/11 Default Date 19/08/14 Arrangement to pay? £83.93 Stepchange Original Creditor: Lloyds Overdraft DCA: Amount OS £ 653 Start Date 25/08/06 Default Date 30/10/14 Arrangement to pay? £ 6.58 Stepchange Original Creditor: Santander Overdraft DCA: Westcot (not listed on Noddle) Amount OS £ 983 Start Date 22/10/09 Default Date 10/10/14 Arrangement to pay? £ 8.31 to westcot from Stepchange There is an HSBC overdraft as well that isn't listed on noddle for circa £700

citizenB, I responded to fkofilee's post and sent it to this thread, I can do it again if its ok to post it here.

Hi, I did post a reply with all my noddle info on it, I'll wait to see if it turns up before I send it again. I'm guessing this isn't the place to post it though?

Good afternoon, Having just joined the site I wanted to introduce myself. I've just turned 35. Am married with 3 kids. This is important because I nearly lost them. I am a recovering compulsive gambler. This isn't seen as an illness to anybody except another compulsive gambler. My last bet was march 2014. I actively attend GA meetings to prevent relapse. Its taken me this long to rebuild trust in my family. My life is miles away from the despair it was in when I gambled, but I still have evidence of my problem in the form of a mountain of debt. Although I signed up to a dmp with stepchange in july 2014 my head is still firmly in the sand when it comes to finances. I have joined this site to gain control of my finances having gained some kind of control over my gambling. I haven't looked into reclaiming bank charges or PPI or anything so I guess that's where I'll start. thanks for listening, i'll keep you 'posted'