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I haven't other than a brief trip to the citizens advice bureau to see what my options were.

Thanks very much for the reply.

Hi yes i have receipt. Thanks for the replies just wondering if i should wait a couple of months so its not as recent as it is now or would that not m...

Sorry ive got myself worked up And im looking for some advice. Ive read regarding bankruptcy, that it can be considered fraud if you use your credit ...