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My credit card balance just went to £300+ because the doris wanted a half-decent hotel in Nottingham for a couple of nights this weekend. I'd have gone Travelodge, but she wasn't having it. On the upside, our 3 year interest-free sofa-suit HP ended a couple of months ago, so I thought why not...

Just around £250 left on HP for a suite. I only ever use the credit card to pay for holidays (for the extra cover), but its always cleared straight away before any interest goes on. My first job was working in a credit control call centre, it put me off debt for life.

Indeed it was. I would turn up with my programme collection and threaten to BORE people to death.

You're talking about a pro-rata agreement between creditors, but creditors are under no LEGAL obligation to accept the offer at all. Generally they will accept a pro-rata arrangement because if it ends up going to court, its all worked out in much the same way anyway. But it's entirely at the...