had a bank loan (with insurance) and through ill health could not pay so i filled out insurance claim sent it (they never got it they said) so sent another same thing. Anyhoo result is i owe the £3,890 which they have sent on to a debt agency. I have others (talk about them some other time) went to citizens advice but the long shot is maybe i should declare my self insolvent. i am at my wits end. ANY IDEAS.



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