your right about that, there were so many creditors pre recession that did just the basics in credit checks which led in part to the problems that we are all having to deal with. Creditors are now using the credit check system that has been in place for years in the proper way – if you can’t afford a thing, you don’t get anything. Hard but it will stop allot of people from over commitment.

I have just read your posting and really do understand what the Lady you wrote about is going through. I left it all so long before getting some help, I went to my parents first who told me to stay away from Debt Management companies as I would just get ripped off, ( I don’t think they even know what what they do ) so I kept applying for loans. I borrowed money from my parents in the end which I used to pay the debt off but now I cant afford to pay them every month. I try not to go round to often as we just argue. I am the last person in the world to give advise but if there is anyone out there struggling with debt, get it sorted quick as, don’t leave it to get out of control.

Nice site by the way – keep writing A++++. Ben