The loans are in only in my name. No we have no joints debts or bank accounts. I called the bank to cancel a DD today and was told that Northern Rock might still be able to take money out of my bank. I thought once you'd canceled a DD that they couldn't take anything more out of your bank? If they did try to take anything I am going to end up with bank charges as there is nothing in the bank! I have been trying sooooo hard to find some work so I could keep on paying for some of the loans but it's not going so well. How will it stand that I have not long ago got a loan and can't afford to keep up the repayments? I got the loan in April 2010 for some home improvements.

OK I will try and explain the situation as clearly as I can it's a little complicated (or it is from my eyes) I have three loans, all unsecured - 1st - £25,000 - 2nd - £10,000 - 3rd £15,000. I also have an argos card with a debt of £700. A sofa I got from DFS worth £1800. I owe the tax man £1800. and now I have lost my job (well my self employed work has fallen through) and in this economic climate am very very unlikely to get another job with the same earnings. I was self employed so didn't get payment protection. My long term partner owns the house we live in and it's solely in his name. We have a car which he bought but I am down as the "registered keeper" as he just learning to drive, contacted the DVLA and they say they no longer deal with legal ownership. We have four children and life is about to get very tough as I can't see away to repay these debts without my old job. One of the loans I have only had for a short time (4 months for home improvements) as I had no idea I could lose my job. If I did become bankrupt - could my partner lose the house? Could they take the car (it's nothing flash just a Zafira)? Could they take everything in our house? Will they want to take the sofa if I can't afford the repayments on the sofa? Can I do anything to protect the childrens belongings? I can't eat I can't sleep, I am really worried for my family. I feel like the life I had has just been pulled from under me. Help!