G'day there Seriously....you hit the nail on the head ref credit issues, I was bankrupted around ten years ago and after the administrator cleared me I thought **bleep** beauty! Fresh start!........WRONG.......when you are declared bankruptcy for whatever the reason then that's it for you....its over... No nice new car, no house, no upgrades, no changing to Red Energy and saving approximately 35% per quarter (based on me doing exactly that for 18months before I Bankrupted), no **bleep** break at ...