Happy to talk to you - or anyone going through this terrible stuff - there is light at the end of the tunnel, don't lose heart. There are many debt advice organisations available for professional advice, mine is only based on my own opinion and experiences (and doesn't necessarily reflect all the "correct" ways of doing things - but it worked for me) and I'm not qualified in this area. However I did have to consider all the options available so probably am quite well informed on these issues. I'm not sure if I'm supposed to put my email address on this forum or not as I can't see that in the T&Cs but guess I'll get my wrist slapped accordingly if I shouldn't - I can be contacted at xxxxxxxxxxxxxx and apologise in advance to the moderators if that's naughty of me. Happy to chat and provide whatever support I can to you.

Sassy

Note: Sorry Sassy - yes - your email has been removed in accordance with our User Community Standards and Terms of Service. However, you're more than welcome to chat and provide support and advice on the open forums. I'm sure you understand that where obtaining credit and debt advice is concerned, we need to do our utmost to remove attempts to promote unsolicited services that aren't always the best-suited to a member's particular situation. Thanks.