My sons Virgin Money account was set up and accruing over the top of his limit,
when his relationship broke down in October 2006 and he came back home.
He was expected to pay the telephone bill and maintainence for his son and they were also asking him to sign over the deeds to their home.
This all hit him badly and after a bad bout of depression,
and eventually returning to work, he lost his job of 7 years.
At first I couldnt get him to deal with his debts, as he recently put it he was in "a bad place".
He was out of work or only doing telesales for most of