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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by lazyeejay[/i] [br]Hi all, had a few questions a couple of months ago and had a helpful response. I still have not taken the plunge yet as I just feel sick thinking of it. Just recently moved in with my partner after living at my ex's parents and my ex phoned me today to say a man from FirstPlus turned up asking for me, so I think its coming to a head now:( I just have a few short sharp questions to try to reassure myself so any advice would be greatly appreciated. 1. I know I asked before but if I am paying a relative back money he kindly lent before all this (about 15k) and I declare him as a creditor, would he get his money (albiet in the long term) or lose it (i.e.debt wiped). This is one of my main concerns. 2. Assuming I wake up tomorrow and decide to do this, should I open a new account (Co-op) in next couple of days and transfer any direct debits and how would my original bank respond seeing as I have an overdraft with them? 3. I could pay the whole loan payment each month but I would not have enough money to get through the month (I watch the pennies now as it is), could he make me pay the whole monthly payment regardless if I barely have anything left? I feel like I shouldnt have anything left, as I know some people on here are in a worse situation than me (even though my debts total close on 35k). 4. I have never failed to not make a payment, every month I have paid half even though i have been chased and hassled for a full payment (this was originally a joint loan between me and my ex and I am the only one making a payment of some description), would a Court or the OR see this in any way shape or form as an attempt to show a decree of goodwill or is it irrelevant. Im worried about how much I would lose of my money leftover in making a part payment each month as I heard it could be up 70%. I dont know if I would be any better off. Im sorry to ask all these questions but I really need some peace of mind as I feel I am losing my mind through worry. I have ducked and dived for the last year and half and do not have the energy anymore. thanks in advance. [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.