HI, i did a full and final IVA which was accepted in April, therefore we have paid our creditors £10k and this meant that our IVA isn't pending. Today i have received a letter from south wales police offering me to pursue an application for a PCSO job that i applied for nearly 3 years ago. I would a...

I had the most amazing news yesterday that my full and final iva has been accepted and the long rollercoaster ride is all over at last. The relief is incredible, it really is life changing for me and my family and i would just like everyone who is going through the same process of applying for an IV...

Hi Sinking fast, i'm on IO with NRAM and started our 12 month period last month. We have put in for a full and final settlement figure which offers the creditors 14p dividend. Pushing our luck a bit but BR offers nil so we're really hoping that NRAM especially accept our offer as they're about 25% o...

Hi everyone, I've got a creditors meeting date set for 26th April and cannot wait for it. I've got everything crossed for it because i don't know what i'll do if they reject. We've put an offer of £10k that we have borrowed from my father in law which gives the creditors a dividend of 14p. Northern ...

I thought as much. To be honest i was hoping to try and pay this off before the iva started as i feel really bad that my friend has to go through the worry when she was just helping me out. I obviously didn't think at the time that it would ever be a problem but now its come back to bit me on the bu...

Hi all, Can someone shed any light on what i should do because i have a loan with FLM of £1394 and my best friend is guarantor. Therefore if i don't pay this loan then she will be liable to pay the loan. Can i continue to pay this loan so that she doesn't pay the consequence of my debt ??? What will...

Hi Tillergirl, Our Fixed rate ends Jan 2011 too and we will also be on the SVR as of then. NRAM have said exactly the same to me basically implying that no other fixed rates will be offered and i might aswell apply anywhere else as NR are seperate companies now. Having made my mind up that remortgag...

Hey, Yes it seems we have alot in common lol. We've got a together mortgage, i requested our redemption statement on the 25th and i got in the post today (28th). I'd ring them again try and speak to head office that's who i spoke with. Did you say you were using Mel Giles's company too ???? Have you...

\Hi Tillergirl, I'm with Npower for my gas and electricity and after searching the internet i discovered that there is whats called " first step fund". Basically they can wipe out arrears of up to £500 and you start paying what you consume rather than increasing your payments every month. I went fro...

Hi Tillergirl and Mel. The concession arrangement was for 12 months where they took out of my 5 year fixed which expires jan 2012 and put me on a much lower interest rate to help me get back on our feet. This ends in Jan and i spoke with Head office the weekend to ask what happends in Jan and i'm go...

Hi, I've just rang to request a redemption statement too. I was on a concession arrangement for 12 months, currently in 9th month. It's hard for me to work out was my secured amount will be when the arrangement ends to be honest. Are you having any difficulties ?? After visiting this forum i've deci...

Hi, I was wondering if anyone has had a situation similar to ours. We hve our mortgage with Northern Rock and we then took a secured loan out with Nemo finance. A year later we tried to consolidate debts an got another secued loan wit Welcome Finance. What a bad move that was but at the time we both...

Hi andrea, My husband and I are just in the middle of setting up an IVA proposal with Mel company. After visiting this forum Mel seems to have amazing commitment to helping clients and knows NR's criteria extremly well. I have every faith that Mel's comany is the right route to go down. I myself was...

Hi Mel, Well after reading loads of excellent reviews about yourself and IVA Advice Bureau i am most definately going to use your company to apply for an IVA. I have spoken with Melanie Nicholls today who was really helpful and gave me all the confidence that she will help me along the way. She ment...

Hi Mel, Having read through loads of topics regarding Northern Rock i feel alot bettr about things. Everyone seems to be so negative about NR but i think its fair to say they only really seem to reject when clients have enough surplus to pay bck via a DMP over a reasonable time. At first it felt as ...