Oh and I say this as someone who entered into a Trust Deed 3 years ago. They seem official but in practice I found my Accountancy in Bankruptcy most approachable and very, very friendly. It really does sound daunting, it did for me too, but if so long as you adhere to the terms of your agreement and inform them of any change in your circumstances (for good or bad) then they are fine! As I say, don't let it worry you (easier said than done) as there are people out there who WANT to help!

My best advice my friend would to seek impartial money advice from citizen's advice. I'm presuming you entered into your agreement without doing so, as they would ensure you could pay within your means. A trust deed, by the sounds of it, may not suit your needs as that requires some level of consistent contribution. Bankruptcy may be your best bet but I say that as someone without any training. You should still have enough money to enjoy your life. Go and seek genuinely impartial advice, you will feel better for it. Good luck!

Hiya, Not sure if this is the right forum but would appreciate re-direction if required. My partner moved into a private property some months ago. I moved in a few months later and my partner informed the landlord, however the landlord has never asked me to sign a lease agreement and consequently I have not done so. Am I, however, an implied tenant and therefore bound to the lease my partner has? By all intents and purposes, if my partner and I split, I would not have a leg to stand on? Moreover, if my partner breaks the lease agreement, could I still be chased for the debt? Many thanks Revinder :o)

Hey, I posted on the sticky thread by plumberjon but haven't received a response. I'd really appreciate your advice. I have 2 items from sh1tehouse and I am now in a few months arrears. It was never my intention to default in payment etc but I missed 2 weeks due to being away, then the demands were too large to pay to get up to date. They accentuate their own debt problems with their unrealistic demands. Now I could go into a debt agreement as described in previous threads, however I just want to get this hideous company out of my life and I am more than happy to return the low quality, second hand goods that has me in such a pickle. In all honesty, I was a little stubborn also in that they sent people to my former address and, knowing this to be illegal, I just refused to play. The people I lived with just said I didn't live there as we had that agreement with each other. (We were students and if anyone comes we dont recognise it's a simple "...sorry, he doesn't live here anymore". I really have been cowardly, but I just want to get back on top of my finances. I have a few debts and I'm going to negotiate to get them away. I now have a job and looking to pay back what I owe, it's just I do not want to pay another dime to this fecking company!! Would I be fine to return the goods (I actually dont have OSC as I knew my rights that way...what a fight that was!) and just forget my association, or will they hound me for the money I owe over the past few months. I know I have been an idiot and acted foolishly, but I felt backed into a corner and didn't want to go through the hassle of having to deal with these abrupt people. (To the extent I changed my mobile phone number). I hope this makes sense, please help!

The horrible thing about these places is that they literally throw money at you when you walk in for the first time. These horrible places should be made illegal. They do not help make ends meet, they seduce people into a cycle of debt! I have discouraged many people from utilising the "services" of these sharks.

Hi there, I'm just looking for a little bit of advice on how to proceed. I defaulted on my agreement at the end of last year and, when I was about 3 weeks in arrears they turned up at my door. I was raging because I knew this was illegal, however these people can be quite intimidating. Anyway I was at work but the person in said I no longer lived there. Anyway, I decided to ignore them and haven't been in touch since. I have also moved home for real now. Thing is, I did not mean to act deceitfully but I know how abrupt these people can be and to be honest they are a law unto themselves. Now I want to get this sorted but I can't afford to pay the lump sum they will no doubt demand and, in fact, I no longer have any need for the "goods" that I have so I am more than willing to return them. How should I best proceed? Will they still harrass me for payment once I have returned the goods? I should have said that my weekly payments were only about £20 a week but that through absent-mindedness I let myself get too far behind. Your advice is appreciated.