Cheers dinkjames, looks like I've got a busy weekend. So much for enjoying the sunshine! Payroll are getting back to me re court order!

Cheers, all help is appreciated. Was quite a shock this evening when I saw 'court order' on my payslip! Will keep you posted.

Next time you call Swalec, ask to speak to Tony Keeling. He's Director of Customer Services. That'll rattle someone

I didn't see any court papers, no. I moved house last summer, didn't inform any of my creditors really, except the necessary ones - council, utilities etc, so I guess they could've gone to my old address? Nothing's been served at my new address as far as I know. I've gone through some of the post this evening but can't see anything. I'm guessing my payroll dept will have this info though? It's gonna be quite embarrassing to call them tomorrow.

Hi all, Not a new member to the site, but for anonymity I've signed up again. I'm desperate for help. I'm 27 years old, married with 2 kids. I've been more than a bit frivolous with cash over the years, and my situation I'll admit is pretty much of my own making, I'm probably less deserving of your help than a lot of others, but please don't write me off! First off, I'm a former compulsive gambler. I'm over it now, though currently really fighting the urge to go back to it. I know deep down it will only make my situation worse, but when I walk past a bookies, it's a real struggle. I gambled probably for 2 years, it culminated last summer when I blew all our rent money playing roulette, and we were almost evicted. Since then I've worked 2 jobs to try and clear up the mess I created, and to try and make our future a bit brighter. It doesn't seem to be making much difference though. I've got unsecured debts of probably somewhere between £15 - £20k. These are from old credit cards, finance, a logbook loan, council tax arrears, utility arrears, and a housing benefit overpayment. We rent our house, I own a car probably worth around £500, and this is vital for my part time job as a delivery driver, but also for me to get to my full time place of work 20 miles away. Believe it or not, tomorrow was going to be the day I started to sort things out. I'd made a list of my priority debts, and tomorrow (payday) I'd planned to call each of them and make an initial token payment, and arrange to start clearing my arrears. I got my payslip today, and discovered a court order has been made for one of my creditors to take £150 out of my salary. At the moment, I don't even know who this creditor is, and how long they'll be taking the money for. I plan to call my payroll department tomorrow and find out if they have any further information. I'll admit, I've had my head buried for a long time, and have been in the habit of ignoring post & phone calls for a long time. If one of the resident experts could get in touch I'd be most grateful. I'm happy to disclose all my info to someone if they believe they can help me out. My situation is now quite serious - my utilities are close to being cut off, I'm absolutely terrified of calling my creditors and saying "I can't pay", I know the consequences could be pretty severe. I'm at the point now where I'm considering bankruptcy, but I really don't know what I should do. Many thanks, M.