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Thanks David and understood re needing to sit down with an advisor to get more specific advice. My mortgage interest only payment is 327 per month...

Thanks TDA and Kevin. Looks like a very good Kevin. I think I might be able to limp on a bit and get the debt down though. Around half of the debt ...

Just off the phone to NRAM. They won't consider the switch to repayment due to my outgoings. So situation I am in, my creditors will not consider m...

Anyone able to answer re the interest only element and creditors approach to it?

They have said each application is assessed on it's own merits. I have a bad feeling they will want me in a TD or other arrangement before they woul...

Thanks David, I probably do need to sit down with someone. Just a couple of questions though, how quick could this be arranged? Is my understanding ...

Right. So NRAM need to book me in with an advisor to switch to repayment. None available till 22/8. They will not switch without the advisor say so a...

Thanks guys. I do need to make some calls but have very little free time at the moment. One of the shopping list items is a bank account. Was hopin...

Firstly, thanks for all of your help guys. It has been a massive relief to know I have an option.This forum remains an absolute gold mine of a resourc...

Total is around 43k. There isn't one creditor dominating. Largest single sum is £8,000 in form of a personal loan (Honeycombe Finance). Others are a ...

Hi Rickie, I am over two years discharged and still have a fairly low score with Call Credit and Equifax. No defaults or late payments are present....

Pinalta, Really sorry to hear this. Have also read some of your previous posts. Not sure if you have considered approaching the media - it may b...

Hi Martin I had to contact HBOS as well to get them to correct. Best advice I can give you, is email the CEO direct to complain. Ask for compensati...

I know, I'm considering it:/ Odd that they have accepted me though and gave me account number, overdraft, sending card out though? quote:Originall...