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Debtdirector

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About Debtdirector

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  1. Dear all, I have got myself into a total mess with debt and now I can see no way out. I have substantial debts which I’ll summarise below . Potted history , I had debt that I was servicing including a historical CCJ. The CCJ was paid off in July 2019 and the six years ended in Jan 2020. Stupidly I consolidated debts around May 2019 into one large loan which left a credit card and store card. The interest was high but I’d planned to take a new loan once my CCJ disappeared. Against all of this I was in an abusive relationship that I was getting out of. I managed to break up in Sept and things looked good. Then I noticed some strange activity in post I was receiving etc. Essentially my ex, a NZ citizen had taken out loans and a card in my name. Long story and stupidity on my part I could not enforce anything as I went to solicitor etc and only option was case through NZ system which would be costly. I then got another new CCJ by Shoosmiths who my first CCJ was from, it was almost like the waited until first ran out then slapped another. I challenged and lost and the CCJ was enforced. my salary is good (circa £4000) each month. But I’ve just been in a cycle of decline borrowing more to pay debts and then more etc etc . I’m now in situation where I’m paying the CCJ and my bank overdraft and my bank credit card. I’ve stopped paying the others as had taken advice and was trying to get an IVA or if that failed bankruptcy. Whilst doing all the checks and gathering information I’ve found out that an IVA or bankruptcy will be classed as gross misconduct and render me dismissed from my job. I work in the NHS and this is stated in the contract . I really do not know where to turn to or what to do and can see no way out. Please, please if anyone has had similar or can give any advice I’d be massively appreciative. Debts include (amounts are approximate): Personal loan - £7k Personal loan - £3k credit card - £3.5k credit card - £1.2k credit card - £2k Store Card- £2.3k payday loan - £0.5k Payday loan - £1k CCJ- £13.5k I even fear now that if my employer finds out I have a CCJ I will get sacked as it states something like “...bankruptcies and any arrangements to pay creditors may result in dismissal.”
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