Hi That is abs brilliant, many thanks for the letter's I will get these all created and posted off. Hi Lee TBH, this vodaphone account is form many years ago and TBH I cannot remmber which address it is from but I want to get my name cleared and so I will complete this later on, as I am in work! Many Thanks

Hi Thanks so much for the advice, I wasn't too sure where to turn to. I will get in contact with the CAB and ifthey advise a solicitor then I will contact mine. Many thanks again, I will let you know how I get on

Hi everyone, So finally I have decided that I need to do something with my debts, I constantly have letters comming in telling me they're goin to take me to court? I just hide the letters thinking they will go away. Of course they're not goin to. I'm sure I have almost 10,000£ worth of debt and continuing as there is charges and interest. Does anyone have any links to templates letters for me to send to them reguardig reducing the amount that I can pay as I am up to my neck in debt? I've always made sure that my mortgage has been paid as I couldn't lose my house not with my two kids. My debs are Halifax loan £7500 over 7 years, only £2000 paid off, £156 a month loan £5000 over 5 years £4000 paid over 1 year to go. Vodaphone-£500 capital one- started off at £100 limit now at £500 because of charges. DFS - £2000 two years still to pay. I've buried my head in the sand for too long, I haven't paid a creditor in 6 months bar my mortgage, really need some help and I would rather do this myself than go to a company. Many thanks

Hi Many thanks for replying, I'm going to ring them first thing on Monday morning, I feel that even once that a bit of the weight will be lifted, I'm just worried and scared, I haven't totaled it all up but I think it would be somewhere in the region of 12,000 which is quite substantal Incannot believe I've acted with such stupidity. I've never been in trouble before neither. Thanks

Hi everyone! I'm new to this, I've been searching on the Internet about something terrible that I have done and I seen this site come up, I don't expect any trouble from anyone as I am so ashamed of myself and I know that I done this to myself but I was on maternity leave until aug of last year, when I was going back to work I decided to put my kids into childcare. The day I was due to go back to work my eldest son woke up with the chicken pox and so neither of my kids could go to the childcare provider. I countined to claim that my kids were in childcare, I thought that they would have been going back once they were well, my youngest son then also got the pox, and after that he got very I'll and was in hospital, he was sick for what seemed like ages, due to me not working I fell behind on some of my bills and started to use TNT tax credits to pay for this, I knew it was wrong whe. I was doing it..... After a while I went back to work and I kept saying to myself I had to ring and tell them what I had done, but I was scared, I wish I had done it then as I am petriffed now. I let it continue and i was soo stupid to do this, but I can't stop thinkjng that I am going to go to jail? It's all I think about now and can't stop thinking about it. I renewed my tax credits and had written down the info from my p60 and renewed it in work. Lastsaturday I recieved a letter asking for the contract from the childcare provider and reciepts of what monies was paid. I don't know what to do, I know it is all my own fault but I am scared as to what will happen to me and my boys. Can someone please give me some advise as I really don't know where to turn to? Thanks