Thousands in debt-how can I clear it? Please help

Billy_two_speakers

MissLiz wrote: »

Hi Berkshirelady, lots of really good tips there, thank you. The food issue is really important so no need to apologise for talking about it. I have got better where that is concerned, used to be really bad, takeaways every other night but have cut that out. I go to Quality Save for my crisps and choc now. Also I work at M&S and at this time of year there is tasting on the big packs of biscuits and chocolate which saves me money!

One problem is that I work at M&S and I have a credit card with them. I have always managed to make the minimum payments with them but as I am staff I can't default on that card, am sure thats in the terms and conditions somewhere. So what do I do? As far as I can see I can't take out an IVA because of this. Does anyone have any ideas as to what I can do where that is concerned? Apart from find a new job.

In your case treat your M&S card as rent and council tax whatever the APR you don't want to upset the people you work for, that said they can't treat you any different than a member of the public (In theory) so if you can contact them through the normal chane without saying too much and see how they treat payment problems if you see copys of the paperwork around the shop where they are trying to push new cards pick one up and read the fine print or better still visit the web site I am sure somewhere there without the need to talk might be more info on payment problems


good luck