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shanikang

Hi everyone, well you all sound nice, so here we go

I owe approx £8000 to 3 credit cards and 2 overdraughts and i can't see a way out each month i just get further into debt
.
Could anyone please tell me which way i should go from here.

My husband works via an agency and gets finished every December, i do work part time. The reason i have got into this debt is I had this great idea to buy and sell on the markets

I have been on another forum and got some really good advice because me and my wisdom decided to join a Debt Free Plan today, THEN i decided to ask people on here on the IVA forum, ( i seem to do everything backwards).
Anyway after their advice i phoned the Debt Free Plan people and cancelled it.

So if there is anyone out there who can help me sleep at nights i would be very grateful.

Thank you for reading

IF

shanikang wrote: »

Hi everyone, well you all sound nice, so here we go

I owe approx £8000 to 3 credit cards and 2 overdraughts and i can't see a way out each month i just get further into debt
.
Could anyone please tell me which way i should go from here.

My husband works via an agency and gets finished every December, i do work part time. The reason i have got into this debt is I had this great idea to buy and sell on the markets

I have been on another forum and got some really good advice because me and my wisdom decided to join a Debt Free Plan today, THEN i decided to ask people on here on the IVA forum, ( i seem to do everything backwards).
Anyway after their advice i phoned the Debt Free Plan people and cancelled it.

So if there is anyone out there who can help me sleep at nights i would be very grateful.

Thank you for reading

Hi and welcome shanikang, so your get more replies to your question and it doesn't get lost on this thread go to the BR main board and post your question click on blue link below:-

http://forums.moneysavingexpert.com/forumdisplay.php?f=136


To post your question go to the top left hand side of BR board, opposite the page numbers and press the "New Thread" button as shown below:

Best wishes
If...x


EDIT: Seen you have started a new thread x

IF

A good evening all bump up the board x

IF

A goodnight all bump from me x

dojoman

Angiepange

dojoman wrote: »

:rotfl::rotfl::rotfl: love this Dojo

IF

A good afternoon all bump :hello:

IF

If you are new/old to this board and receive/see a comment that is not helpful or insensitive please don’t let it put you off posting, often these comments are made by people who don’t normally contribute to this board and don’t speak for us.

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IF

Bump.............x

IF

Welcome to the Bankruptcy Board.

Hello and Welcome, Many of the posters on here have been through bankruptcy. They will be able to help, advise and also offer you support. We do have poster's who have/do work for the OR and Debt charities too.

Written by Fermi our board guide:-
Many people find that debt and bankruptcy is the cause or result of a period of great distress and anxiety in their lives. For some this can reach a stage where it is difficult to cope. So I would remind you that The Samaritans are available to help you through your troubles if the emotional side threatens to become overwhelming.

Helpful Links and Information.

To post your question go to the top left hand side of BR board, opposite the page numbers and press the "New Thread" button as shown below:

If your post doesn’t get answered straight away please don’t lose heart, it’s often due to not being a 100% sure we would be giving the correct answer. If you find your post is not answered and it’s on page 2, please ‘bump’ your post back up the board.

We often ask you to post your SOA so we can see if you have included what you need to.

MSE SOA Calculator - Click here
Select the MSE format at the end. Copy and paste onto your thread.

For ‘essential’ BR info this is Fermi’s sticky - Click here

BR Abbreviations - Click here

Debt Relief Orders - Information & help - Click here

IVA - Individual Voluntary Arrangement board - Click here


If you are new/old to this board and receive/see a comment that is not helpful or insensitive please don’t let it put you off posting, often these comments are made by people who don’t normally contribute to this board and don’t speak for us.

What to do if you get an insensitive or hurtful comment - Click here



Best wishes
If...x