After a bit of research on the bank account front, it seems coop and barclays are the only 2 that actively do basic bank accounts with no strings, though after the post above maybe the co-op is starting to think again about that, have an appointment with the bank on thursday morning so will see how that goes.

as for the national debt helpline seem to be on hold for ages before getting anywhere, will keep trying.

C

Hi, could anyone recommend a bank that isn't connected to either Lloyds or HSBC?

Will be phoning National Debt Helpline tomorrow, they seem to close over christmas?!?! you'd think it would be there busiest period?!

Hi thanks for the reply,

M&S card was taken out prior to 2007, possible around 2005/2006, they have issued default notice.

No PPI on the loan, have bank account with Lloyds aswell.

Full time employment, will post more detailswhen iget back from work.

C.

Hi all,

For the last few months i've had my head buried in the sand towards all my debts, having just moved house and not any of them prbably isn't going to help the matter either.

At the moment i have the following

M&S Money Credit Card £4700 - no payments made in the last 3 months now.

Lloyds TSB Loan (1 year left) £2200 left to pay payments upto date so far but struggling.

Moneyway 0% Loan for a Mountain bike in a attempt to get fit and save money:roll: £690 approx.

Water Bill from last house that i thought the other half was sorting out monthly £343 so only half of this is mine.

To top it all of im in a never ending circle with bank charges, every im struggling to cope and stay within the limits and every month im getting charged between £150 to £180.

I've recieved a letter from M&S with regards to default and sending the ballifs round (to old house as they dont have new address), haven't told the other half how bad things are, the landlords of this new house are her parents whichis going to cause no end of problems, just really stuck not sure what to do, have ventured through the cccs websire and they have recommended bankcruptcy.

Any advice would be very gratefullly received

C.