Hi Andrew, Sorry to hear you're having problems. First of all I'll state up front that I'm no expert in this field but certain things jump out just based on commonsense:- 1. A loophole that allows all your pre-Apr07 debt to be wiped off sounds to good to be true - as you're already suspecting it pro...

Here is the article:- Statutory Debt Management Schemes... The Ministry of Justice/Insolvency Service recently held a Stakeholder Event about their thinking on Statutory Debt Management Schemes. If these come to pass – which currently looks highly likely – they will radically change the nature of ou...

If I could avoid an IVA with a DMP running for up to 10 years then I think I would go for that. My big concern is that creditors wouldn't play ball for the whole term and I would end up in an IVA anyway. The protection that an IVA offers is attractive even at the cost of having to be formally consid...

Now lets say you want to have a constant amount taken off each month. Plonk that in cell D1 and then refer to it in your formula as D$1. The dollar sign holds the row number constant in all copies of the formula. So the content of cell C2 then becomes =C1-B2-D$1 and when copied into cell C3 it becom...

Hi Marky, I just replied but it got swallowed - I'll try again! If you haven't tried formulae in excel then that might be the thing to try. Here is a simple example of what I mean and if it helps then great ... Use col A for months of the year starting at cell A2 and put amounts in starting at cell ...

Thanks Melanie - I realise it's difficult not having the full facts but you've given me sufficient comfort to get a good night's sleep! I appreciate your efforts.
Good Night
Kenny

Hi again. I've been reading this forum for over a week now trying to piece together as much up front understanding as I can. Two aspects that I'm unclear about are to do with the secured borrowing. 1.Will FirstPlus sit tight or will they make a claim on the numerically unsecured £35k? Or is it still...

Wow - thanks for the quick reply Melanie and your warm welcome. I'll take your advice and look into things further.

Kenny

Apologies if this gets posted twice but I used the "Ask a debt question" option above and my message never appeared! So here goes again ... I need to take control of my debts as the current economic climate is preventing me from juggling new deals and my existing credit cards are attracting punitive...