Hello All I'm Looking for some advice

[fuzzybobble]

First of all John, write to all your creditors and offer them a token payment of say £5 a month, or whatever you feel you can easily afford. They won't like it, and will try to make excuses/threats etc. But they have o accept what you offer. But Cancel all direct debits to them, and pay by postal order or cheque instead. As soon as they cash the cheque/postal order, then they have accepted your offer. Paying by cheque/postal order means that way they cannot help themselves to the usual amount from your bank account. Also if you wish you can ask them for details so you can se up a standing order from your current account. You set the amount and they cannot get more unless you go to your bank and change the amounts paid yourself.

Also change your bank account if the account is by the same bank as one of your creditors.

 

Next, send CCA requests to any that are loans,credit cards. As there's a good chance they wil be unenforceable. Especially BArclaycard. They are well known for sending application forms as CCA's and are totaly unenforceable.

 

Also, never speak to them on the phone. If they ring, say, "Sorry I require all communication to be in writing only."

 

When you've done all that. Sit back and relax, knowing there's a huge weight off your mind. Less strain on your relationship. Keep us posted on this thread when you get a reply from them. And we can tell you what to do next.

 

Good luck.

[fuzzybobble]

I would try the CCA option first. You may get lucky and none of them being able to enforce any of the debts that require a CCA.

 

Going bankrupt should be an absolute last resort choice. It's not as easy way out as a lot of people seem to think.

 

If you send a private message to BabyBear on here, she's gone down the bankruptsy road and may be able to advise you.