Hi Melanie She called me yesterday and asked me to come in next week to see her regarding a letter I had written to one of her juniors.I had asked for hime to be taken off our case as I do not trust him due to him lying and giving wrong information in the past.She then called my husband and asked hi...

Dear Melanie My husband had a meeting with Michelle Weir today.She has agreed to only put forward the proposal for rent and removal,she said if you start including other items which I gave her on my list,you may have the variation rejected out of hand,and therefore not obtain the essential funding.G...

Melanie like many people we didn't have a clue.When you employ professionals that do this for a living you expect them to know what they are talking about. I was told my daughter would have to come out of school. We were told we were only allowed £3000 after a big argument as she only wanted to give...

Thank you again Melanie. Is there anything I can do about my childs education? The IP has called a meeting of creditors for 1st October,we have to be out of our house by 2nd October.We gave her our list,she said I will not get uniform allowence,I will not get allowence for my business stationary etc...

I feel we have been let down because the staff at the compnay have lied to us,the IP is never availible and we have to speak with junior staff.I know more about my rights now than they do,but only what I have learnt from this site and other sites like it. The advice they give is all wrong anf surely...

Thank you again.We did mention this is our first and only IVA,and that the company do these all day every day but we have been let down so badly by this compnay. The employees lie and the advice given is not rightThe IP is never availible and you always get her gofors. Can we have a percentage out o...

We have £3000 each as my husband and I are going our separate ways once the house is sold.However,because we are in an IVA agents who rent property expect 6 months rent up front plus one and a half months deposit.( average house rental here is £800 pcm)Then we have removal costs,storage etc and the ...

Thank you for that.Do we have to hand all 100% of the equity or are we allowed a certain percentage for starting again e.g housing costs,moving etc

We have entered into a full and final settlement IVA,part of which includes the sale of our residential home. Equity will be in the region of £125,000 of which the IVA allows for £6000 to be retained by us with the balance paid to the IP. A further £75,000 has already been raised from the sale of ot...

can your IP force the sale of your house.

Hi Helen thankyou very much for that.As children we are programmed to look after others and its very hard to get out of that way of thinking.I wish you all the very best in what you do and thank the universe for sending me yet another postive person,I really believe I will get through this and many ...

Hi you know for years I have looked after everyone else but myself, and told people think positive,but practicing what you preach is hard.Until this happened then you know all those people you looked after where are they?I read an article in the doctors surgery about cosmic ordering, which I thought...

Thankyou Kezza, thinking positive at the moment is the only thing keeping me going.Remember everyone its not how far you fall but how high you bounce.I will keep you updating as things go on. Hi Lesley I wasn't lecturing you, it's just you hear about so many people wanting to jump sraight back in fo...

Thank you for your reply.It answers my question instead of lecturing me.I have been surrounded by negative people for so long I need some postivity in my life.Once the creditors are paid how will they mark this on my credit will it not say satisfied?Good luck with your business I wish you all the be...

I have never in my life lived in council property or claimed benefits and I don't intend on doing so now.I want to apply to start up a new business so I can earn my own money.Obviously I have learned from my past mistakes.If I dont pick myself up and do something I will end up another government sta...