This is only the second time I've been on this forum, and I was only minded to say firstly how brave all you forum contributors are in facing adversity through debt and ill health... I'm amazed at your strength and fortitude! I've been in debt for a good 15 years, but thankfully never so bad that I've been completely unable to cope... though a couple of times things were hugely stressful and scary. Secondly though, I'm just disgusted that people, human beings, all deserved of fair treatment and a peaceful existence are bombarded and threatened by companies in the pursuit of debt repayments. This country, the system that we are slaves to, the poor education provided to young people about finance and debt are all to blame. The hype of consumerism and ease of obtaining credit make more and more people fall into this trap.... me especially! Love and luck to all those battling with these problems... I wish you all the very best x