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F&F offer accepted

Hi all i would like to thank anyone that has aswered my q's or offered advice over the last 12 months.

I have had a offer accepted in full and final after a year with a IVA, i have only managed this due to a very helpful relative and the real possibility of me being made redundant shortly, even the NHS isnt safe!, i have not gone ito this lighty as i am aware of the stress of setting this all up the trying to pay it off and stuggling every month to make and meet. As it is i may be on the 'scapheap' of employment at 49!:(
I will proberbly be back for some more advice later as i wait for my certs etc.

Thanks again for support and assistance.:D

Ps never having another credit card again!
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