Ive just had my meeting this morning and Ive only just stopped shaking - good luck for this afternoon.

I joined this forum back in January when I finally acknowledged I had a problem. Although I regularly read all posts, I havent posted myself for a long time as Ive continued to live in my world of 'denial' - you know the one whereby you deal with a problem and then put your head back in the sand unt...

Many thanks for the replies. I think Ive spent so much time depressed about my financial situation that I cant seem to think positively about anything at the moment. Apparently, Im quite depressing to be with and have been for some time (as told to me by a close member of my family). I honestly thou...

Im currently taking advice with regard to entering an IVA. I believe putting together a proposal is going to be a viable option but am just waiting to hear back from my chosen IP when my case has been reviewed. Ive posted before about car HP and whether this was the right thing for me to do but I no...

I did request a copy of the loan details 'up front' from the dealer and he provided me with a pre-contract agreement that sets out all costs. This specifically states is a Hire-Purchase Agreement Regulated by the Consumer Credit Act 1974 and refers to Termination: Your Rights, Repossession: Yours Ri...

The deal offered is with Black Horse. Unfortunately, they were one of my creditors. I thought I owed them about £500 but when I called to ask for a settlement figure is was £250 so Im proposing that I repay this in full with money 'saved' from not making any further payments to creditors (as advised...

Hi Everyone After my first post last week, I finally plucked up the courage to contact a few IPs - Im currently waiting to speak to another (scheduled for tomorrow) so that I can then decide how I will be moving forwards. However, in my initial post last week I did mention that my old car is costing...

After reading the posts over the last few weeks I did apply to the Co-op and am just waiting for documents to arrive. I do now need to sort out my car before I take the big leap on my step towards an IVA (hopefully). I cant say Ive ever bought a car on HP before so is there any company that I should...

It did take weeks of writing, deleting, re-writing and lots of reading this forum to put my post together. Im so sorry that it was so long winded but something in me just needed to get it all out. Once Id started writing I felt it was therapeutic and so perhaps did get just a little carried away! Wh...

Many thanks for the helpful replies. Can I just ask, do I need to wait until Im in receipt of my increased salary or can I approach am IP now? Its just that on my current salary, taking into account reasonable everyday living costs, I wouldnt have £200 a month to spare so I understand an IVA would n...

Firstly, I hope Im posting the right place. Anyway, I found this website a few weeks ago and have been reading avidly since then. Truth be known, Ive been scouring the site quite desperately as I do believe Im in a very big hole right now. Can I apologise in advance for the rather rambly first post ...