Well, as I mentioned I last went to step change in may when I was working and they said that my next step was bankruptcy if I could not
do the debt repayment, which was 2k a month just on the debts for around 3 years. Totally undoable as I was on a short term contract of just 3 months. I am on sickness benefit and well below the poverty line because of the bedroom tax. Iva or bankruptcy messes up my career. So I am kinda stuck. I will go back to step change soon but my housing association are looking into grants to help with an Iva or br. I have lived with this debt situation for so many years, and have had my fill of it. I now just want it to stop one way or another. I did go to CAB but they weren’t much help two years ago. I always find the budgets they do a bit of a fairy story. There are always things that come up that we need to buy that are not part of the budget. One thing I would love to do if I do an Iva is tell the council tax office to stuff their debt. They carry it on year after year, it never gets written off, That is the rebellious me coming out. Seriously though years and years of debt even pre gambi g make you seriously question the society and culture we live in. It is all just,pay pay pay. Never mind if you have t got it, pay it! Would not surprise me if babies are bar coded as consumers at birth in the next decade. There I am, clerly jaded by too much debt and hounding for too many years.
