Many thanks for your advice Robmitch, I will respond to the financial statement request as you have suggested, and leave everything else as it is, i.e. not rock the boat, and if in the future I have some cash available I will offer my creditors a full and final settlement.

Hi debbbbsy, Many thankjs for your reply. I have 1 CCJ , and 6 other unsecured debts, made up of overdrafts, credit cards and a bank loan. I am paying £1 pm to each of these creditors on the advice of NDH, as I am on incapacity benefit,but I am due to return to work soon, and may have some excess income after paying expenses, but my income will be variable as i will earn a basic and commission. Should I just continue with these payments, I have no need for credit in the short term, or should i offer to increase my payments, can the creditors insist on increased payments - presumably they can only do this if they know I have access income, and they will only know this if i volounteer this information. I look forward to any further commentsanyone might like to offer.

I am new to this forum & indeed have never visited a forum before. I was made aware of this forum by a friend who said I might be able to find the help I need. I have around £55k of debt and no assets and have been sending all my creditirs £1 a week for the past 2 years, since losing a well paid job. My friend said that in order to move forward I should ask all my creditors for copies of the cnsumer credit agreements that I signed. Is this correct and why should I do this, what would I be looking to achieve by doing this ? I look forward to receiving any replies and thank you all in anticipation of any replies I might receive.