I started off a long time ago with a credit card ! Within a very short time I was offered another one at "competitive "rates and then offered better rates to combine them with another card! I think now you now where this is going. Then my car packed up so I needed a bank lone to buy another and so on, I then had a very well paid job however I got made redundant. To cut a very long story I was basically in a lot of financial trouble to say the least! So I turned to a very friendly dept solution company Aperture iva, well they really looked after me , they wrote to all the company's that I owed money to and nogaiated a plan that I could comfortably afford in a suitable time scale. I am now completely dept free and a lot happier in life and I now save for the things that I want and I don't use credit and I never will, i have learned to live with out credit during my iva term. without there help and support I would still owe thousands of pounds and would do for the rest of my life. Thank you Mike