Hi all.

Long time since I have posted here. I see there is still some of the helpful people from the last time I was here, which I am greatfull about.

As some of you may remember I finished my long running trust deed in 2014 after 9 years. I moved on, got on with life, credit score improved, working long hours but getting a reasonable wage until............ i suffered a sudden blackout at work while driving an HGV, causing me to crash into another vehicle. ( No injuries to myself or anyone else just property damage)

Anyway, as is correct, my HGV licence is to be revoked for at least a year and possibly permanently if the Drs cannot find a reason for the blackout. My employer has made it clear that there is no alternative work with them.

I now have a bank loan and credit card and because I will only be receiving statuary sick pay, i will have no way of servicing these debts. I have contacted my creditors about this. they advised me to contact something called Stepchange. However I have heard a couple of negative things about this so have decided to speak to the people I trust on here about this problem.

Currently all payments to my accounts have been on time and regular, however that is soon going to change.

I really wasn't expecting this to hit me as hard as it has.

Anyway, any advice would be appreciated

Tony