To silverknapper, who suggested that someone should "stand up to their debt like a man": have you got any suggestions?
My suggestion would be...........get a job. Hardly ground breaking.
Go work 40 hours a week in asda for £7 an hour. And work evenings delivering pizzas on top of that. Or in a bar. And spend days off working in the local off licence. After all it's what a lot of us did to become pilots in the first place - those of us who really wanted it and not just took a liking to it because it looked easy and hassle free and we got to sit in a nice shiny jet at the end of it and tell girls we were pilots.You just have to have the balls to want to do it and not hide behind lame excuses like the big bad nasty bank gave us the money, big bad CTC are trying to make even more money out of us. Deal with it.
Bankruptcy is the cowards solution. Don't kid yourselves that you are teaching HSBC a lesson, or you are hard done by - IT IS YOUR FAULT.