Hi Micky, just checking in with you. Despite your bet you are doing really well. Delighted to read. Mite try STEPCHANGE.. I have discovered (I am such a bad person) that if you ignore the threatening loan companies….I spoke to a particularly nasty lady at MBNA this week, once they sell your debt on they become manageable as the debt collectors are just happy you are making an effort to pay. There is no interest and you actually end up paying off all the money you owe much quicker. I’m sure the experts would be horrified by my theory but it works !!!
Hang in there Micky. You are doing great and a lapse is a lesson. A reinforcement .