Flintstone, i never said you did; i am just reiterating my reasons and opinion.
The taxpayer and consumer are almost one in the same- fuel duty, VAT etc. I could no longer justify going hungry and having no quality of life when the banks got bailed out and these are my individual reasons. I just feel this is a case of double standards.
I am just trying to offer my personal experience of this so far in order to help others like warning about insolvency practitioners. The other thing i would add is that a fundamental thing you should beware of to avoid getting in my situation is NEVER to repay a debt with another borrowing EVER, as this is how things snowball and you end up in a corner and this is how the banks let things get out of control with perpetual credit!