If this is the case, you really need to consider whether it is best to use some form of debt management or insolvency process to wipe the slate clean and to get on with your life.
Easier said done as old prejudices are hard to ignore, but the insolvency rules were radically changed in 2003 to make it easier for good, honest people to dust themselves and start again- much more akin to the US system and attitudes on the matter.
It is important to get good advice if this is a route you need to consider- a personal referral from someone you know can go a long way to getting the right advice.
This is a rewrite of the post on the 1st of February, apologies for the previous post which came up as gobbldeygook, sorry about that the computer has a mind of it's own somtimes!
For more information personal-guarantee.co.uk
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