Hi TDA

This has been a fantastic post and very insightful from the large number of responses, even for someone involved in the industry.

I think a lot of people forget that there is a history to these things and they don't just happen overnight.

Mark

I can empathise with nearly all the posts, brilliant stuff!!
Probably the closest to me is Plasticdafts. BOS increased my credit card limit to £15000 without asking me if this was what I wanted.. I had been paying £350 minum payments on £10k for over a year so they must have thought this would continue! total madness, the words Vampire and Bloodbank come to mind. Enough was enough! As has been said, most of us would hold our hands up and admit big mistakes were made by us as individuals , however , I think any blame is pretty evenly split between debtors and creditors, particularly in cases like mine which were not down to loosing a job or divorce etc, just living beyond my means.

Ralph

Hey all

I can relate to a lot of people on here, I buried my head in the sand and constantly convinced my self that I was able to handle my debt on my own. When my outgoing for debt got too high I found new ways of consolidating which would take the pressure off for a year or so, but after a while I ran out of options. My partner knew of my debt but not how much and my family were in the dark also although they said later that they always knew something was up. My family really tried to keep me out of a TD at first as they were worried about me getting a mortgage in the future so they helped pay off some of my smaller debts which again bought me some time. They also looked into remortagaing their property and giving me the money but I couldnt let them do it. In the end my health was being affected by it and I realised that for me and my partner to have a future together ie house and kids, I owed it to the both of us to sort it out. Everyone around me was trying to help me so I knew it was time for me to help myself. This forum was the first big step in teaching me not to be scared of my problem, that there were others out there and that there was a way forward. If it wasn't for my partner, family this forum along with advice and guidance from Kevin and Nicola at RSM Tenon I would still be stuck in a mess. I can now start planning for the future again 🙂