You sound weird... almost.... happy?
Are you running from Natwest into a newer better finance system or are you going underground?
( TGB checking Off Topic is still shit at, Sat 21 May 2011, 10:02, 1 reply, 15 years ago)

To do the former I first have to do the latter.
To sort out an insolvency agreement you have to set up a new bank account and get your salary paid into it, and all the essential DDs (utilities, child maintenance, mortgage etc.) switched over, then you abandon the account and all of the payments you're having trouble with (loans, credit cards etc.), it's like scuttling a ship. The whole thing is extremely dishonourable and I have to keep reminding myself that these are financial institutions, not people as such, to stop me from feeling so bad. If I could convince myself that I am just a victim of the system and the EVIL BANKERS and NICK CLEGG, as opposed to merely a financial cretin, I'd be even happier but this isn't likely, sadly.
( Monty Boyce, My cheese game is strong, Sat 21 May 2011, 10:12, Reply)

Well as long as you're learning from this old chap
if you're in the same position again in a year then we may have to get you put away for your own good
( TGB checking Off Topic is still shit at, Sat 21 May 2011, 10:14, Reply)

The 'good' thing is that with an IVA in place
no one will give me credit for five years whether I like it or not, anyway.
( Monty Boyce, My cheese game is strong, Sat 21 May 2011, 10:17, Reply)

But then you'll be all debt free and maybe even be able to save a few pennies
I'll treat you to a Tayyabs at some point :p
( TGB checking Off Topic is still shit at, Sat 21 May 2011, 10:21, Reply)

*blubs* thank you, TGB, that would be lovely of you.

( Monty Boyce, My cheese game is strong, Sat 21 May 2011, 10:24, Reply)

get your people to talk to my people
and I'll get you scheduled in
( TGB checking Off Topic is still shit at, Sat 21 May 2011, 10:26, Reply)

*opens Filofax*

( Monty Boyce, My cheese game is strong, Sat 21 May 2011, 10:32, Reply)