Hi there -
I'm an American, now married to a Brit, who lived in the UK for about 10 years.
In my first few years in the UK I did not make very much money
and foolishly ended up getting into debt with credit cards and a loan in order to keep my head above water.
I ended up amassing about £10,000 worth of debt, which I ended up facing up to in 2006.
I contacted creditors, set up payment arrangements and all that stuff.
Thanks to the help of this forum I ended up getting several of them written off,
and I paid the ones I believed I was legally obliged to p