got a pic of the wheels i may buy them off you

Tim dont go the full bankruptcy route i was in debt to the tune of £45k a few years ago and took an IVA out i didn't loose my car or anything i owned just pay a fixed amount for 5yrs i was paying £1300pm out then i am paying just £400pm now then i am debt free. I was with TSB also at the time Robbing b******* i have got just over 16 months left to pay on it.

I hope is dont come to that for you but its just another option

Also if you go for full on bankruptcy I think you will regret it in the long run. In the future getting a mortgage or something will be if not impossible shockingly expensive. This will only be more severe in the short to medium term with banks in shock/strict financial legally binding reform to be more conservative in their lending criteria.

I dunno what the hell is happening TBH its gonna be a worrying couple of weeks although im pretty sure theyve made theyre mind up that they want me gone

so i can only hope they keep me on for the foreseeable future