Hey just a quickie really, i'm currently paying back £600.00 to RMA on behalf of Barclays, and mr gullable here had a joint account opened and put his signature to a credit card with HSBC, i owe them £1,100 on the credit card, and £250.00 on the joint account, ive agreed to pay back RMA £10.00 a week from my JSA, just worried that with the HSBC credit card i havent been able to pay any for the last three months and they are charging me about £25.00 a month in fees, spoke to a few debt management plans but they said i need to be working to even consider taking one out, any advice guys? this is constantly on my mind grr. Cheers Andy