I swear if I have to listen to one more person tell me that paying a creditor £1.00 a month should be sufficient to prevent them from obtaining CCJ's I will say something I will (most probably through loss of job) regret!!

When will people get it into their heads that they have had and spent the money and the companies want it back? And yes it is out job to negotiate with them but honestly offering them a £1.00 a month payment on over £20,000.00 is not going to cut it, I mean they were nice they accepted this for twelve months and now they wanr their pound of flesh!

Sorry, rough morning, I am just thankful that the majority of our clients actually want to pay what they owe ( well a little less if we can do it) and creditors are not Demons, in the past nine months I have had over £100,000.00 wiped off for people that are terminally ill, and some of them were CCJ's, ah well maybe it will stop them getting any more debt, though you would not believe how many just go out and do it again

Right lunch over back to work.

I have ideas, most of us do from time to time, but mine are continual, course most of them are not brilliant ideas, or even very good or even logical (and I like logic)

They start from a single 'What if' usually, then they just seem to start taking on a life of their own, they mull around for a while in the 'what if' stage and then they advance to the 'maybe' stage and then the 'hmmm wonder if'

Luckily I have this very logical streak that runs through me, and it counters the ideas with the practicalities, such as time, opportunity, money (thats a big one that is, money) and of course how my ideas will effect other people. Mostly the logical side wins, but sometimes, just sometimes the impulse side wins and I end up in situations that I find it difficult to extract myself from.

Next time I get an idea someone needs to tell me to go chill and eat chocolate, or something, because honestly, nothing seems to work out as it should and I should really leave them alone

Though I wonder if................