hey,i m one of the husbands,who had the thing happen to me...it wa a shock,granted,my wife was totally distraught and had been keeping it in for years...i was more bothered that she had attempted to keep the turmoil to herself...what you need to do for your sanity is get it sorted,we had 60K!!!! gra...

just received my call from first direct,telling me i have 60 days till closure.took them 3 mths after appearing on insolvency register..luckily i d set up another account at the same time as my first direct with the co op for this eventuality.(first direct or hsbc were not my original creditors).i v...

i m with GT and although they are difficult to contact if you don t get someone first time,they are very good once you enter into dialogue.more to the point they are incredibly pro customer in monetary stakes and putting forward your point of view....this above all is why i rate them.they got me a 1...

hi,i work in a car dealership,you are in a pcp agreement as such it follows hp rules.if you wish to refinance it,it will undergo a new credit check,regardless of whether you financed before with them,it is a fresh agreement.you prob need to first check to see what position you are in ref, equity.you...

its likely they will find out,if they do leave you anything it will have to go in your windfall clause.the solicitors/trustees will probably look at the beneficiaries,so protecting the best interests of your parents.your parents will probably need to set up a discretionary trust stating that they on...

hi thanks for quick response.....what do you mean by account?if i withdraw money from hole in the wall,do i have to show where it goes....i m talking about £100 or so...not thousands.

hey everyone, does ip monitor your situation closely..i seem to be left with extra money already...i m living really tight atm,however it looks as though i could spend more or even save!my ip expenditure sheet gives lists of where my money goes,do i have to adhere to it or is it i just get my money ...

sincerest thanks everybody...its like a little friendly family on here isnt it.....trying to relieve everybody of their misery...shows human kindness in its nicest form.

lem...
just had 60k iva accepted with return to creditors of 9p...no modifications...i know how you feel but ip will fight for you as they put in a tremendous effort with no return until it gets accepted,they must be confident.fingers crossed for you.

have been on this site for months...its a life saver,always been a lurker but hopefully i can now give positive vibes over iva and grant thornton.

relief is not the word...my wife has nt slept well for past 5 years,...if anyone has to go through this don t try it alone...a problem shared is a problem halved.

new year resolution was to get rid of credit cards and consolidate.....this uncovered a hideous iceberg.my wife,don t know how she managed its been the worst three months of my life,confessed to attempting to juggle 8 credit cards for a period of 9 yrs! all of which i was blissfully unaware of.i kne...