how do you find Vanquis hagenuk? I did not know that they are apart of Provident. I have a CC with them and it is blocked every month at the moment as I do not have the correct funds to pay them all the time.

he has gone to his employer and asked for this but no go.

this company UK Debt Management Company will it except HP agreements as all companies i have spoken to in respects to debt managment will not except HP agreements or debts that are not in our name. ????

hehe, I live in Hertfordshire. Yeah I wish there was an answer out there for me, i will just have to keep looking. I wish the goverment setup a scheme for business's to outsource work to couple/single mums and dads on low incomes. Just small work! My partner once used to make BT boxes from home when he was younger with his mother he said. All they would do is put a bt socket and two screws in a plastic bag and then but them all in a box and send them back. (now that would be a good job to do) and it was working from home.

KeefG, yeah it is a pain in the butt but my partner is never home at a certain time sometimes in can stroll though the door at 10pm also he has to do overnight stays which come un-anounced and weekends he does on call so really there is not a chance for me to go out and get a job. All of my family and his work too so there is no-one to take the kids whilst I go to work. Not sure what else to say on the subject now.

Cheers for the response guys I will certainly look into different ways of cutting back money but what hits us is my partner can sometimes travel into cambridge or london serveral times and then get the money back and then next month would have to do travel to gateshead or manchester which is a big pain as the money back from last month does not cover the current months travel. What I would like to know is how do people survive in this situration, I mean I look after the kids during the week and my partner can work anything of upto 70 hours a week but he does not get paid overtime just his hours back, he has also thought of trying to get a weekend job or doing something private like small building work projects for peoples homes but the problem there is he is on call most weekends too. What gets me down is for the last 3 years we have been paying back what we owe and obviously doing what all do and slip now again and buy something which we later regret, but the debt never seems to go down and for 3 years me and my partner have not brought anything for ourselfs in the respects of clothing or going out for the night like a meal or something. I have looked everywhere online/papers/talking to others to see if there is a way of making just a little bit of extra cash to cover ourselfs that little bit more but there is nothing, most quick money things or working from home is a conn and you cannot make anything out of it. Any ideas or proven ways that others have done?

Afternoon All, Me and my partner are in abit of a mess (not as much as others on here!, but a mess). We have two children aged 1 & 3 and my partner works full time and I stay at home and look after the children. We have debts and agreements like all but are in abit of a hard place at present. Here is a list of our debt: Car Loan 1 (GE Woodchester - Don't own anymore!) Car Loan 2 (Black Horse) £2500 Egg Loan £5000 Vanquise Credit Card x 2 £1000 £250 Capital One Credit Card £750 Next £100 Littlewoods £178 Gratten £60 Ikea £300 Personal Loan (borrowed from parents) £5000 Now the loan from the parents has controlled some of the debt and we pay that back at £80pcm. Now this is where the problem lays we pay all our debt and monthly bills for the home and then we are left with nothing. Before the personal loan we was in debt with every company from the phone company to the council tax but we have sorted that and we are still left with nothing our outgoing is more than our income and we have tried everything to reduce what we can and still cannot live. We have tried all these routes: Debt Consolidation (not enough debt to be considered) IVA (not enough debt to be considered) Black Listed (income is more then total debt) Revised bills to reduce them (do this every month) Asked for different payment plans (increase the time and lower the payment) What can we do, we never buy cloths and have to scrap money every week to buy food and it does not help with my partner having to travel the country everyday not knowing where he is going to be from one day to the next as he never has money to cover the petrol costs as he has to pay it out and then gets it back at the end of the month. how do you all live life like this it is mad.