Re the last post...
I think I’ll note down a few bits of advice for anyone who looses or may lose their job. Its not always a bad thing – You’d be surprised! 10 years in recruitment was enough to see off the odd recession or down turn. I’ll get right on that. If your interested, add me as friend. You’ll find I'm not the fussy sort :¬)
It seems nothing will stop people from borrowing, not even bankruptcy or an IVA. It's not more credit that is required, it's a new mindset. IVA loans are a worrying concept but growing in popularity
http://debts.org/debt_help/iva