Hi Andy The way we've made our offers is that once agreed, the agreement is that no further action can be taken nor interest added. At the moment there is probably about £350 a month in interest and charges being accrued but should it take three months to sort out, that seems the better option for u...

Don't worry, it's hardly surprising! Atleast there's the buffet and drinks afterwards so you can have a lass of wine or two and ask the experts 1 to 1!

As some of you may know, I'm going through the process of making offers to my creditors myself in the hope of reaching an agreeable figure to settle my debts - it's either that or face Bankruptcy. The letters were sent off to my 5 creditors on 25th July offering 40% which we considered generous cons...

Would like to have gone but have football training tonight unfortunately - any other night! Be great if you could post a briefing on it tomorrow Zoe - are yuou going primed with any questions for the panel?

Thanks Oliver... I've not had a mortgage before so don't know in real terms how much extra that would be, but it doesn't sound too drastic which is good. I know this isn't your area but maybe you'll know... should I buy somewhere for £200k with a 10% deposit so only require £180k mortgage, do you kn...

Can anyone advise how the increased rates might copmare to that of high street banks? I know Welshboy is the main man for this but wondered if any of you might know?

Woops, yes I did Andy, thanks! I did e-mail him about 6 weeks ago but didn't hear anything, I'll try again.

Thank you!

While you're hear, Wednesday night, is it the same sort of style as Question Time, audience with a panel who discuss debt issues?

Hi Welshman I was wondering if you would be able to give some guidance as to how mortgage rates differ from High Street Banks to those that have been decared BR, going through an IVA or in my case (hopefuuly) have had a Full and Final Settlement IVA completed... Also, do you have any names of potent...

Take this feeling and think back to it if you are tempted again - some simple things you can do to help: Cancel your online betting accounts Throw away your casino membership cards Tell your bookie, who must recognise you, not to serve you no matter how much you try Maybe it might help and prevent t...

Thanks Dave, I did wonder why i was getting these pointless calls! Maybe I'll ask the next time they phone...

I didn't realise there was an IP criteria? I guess I've got all this to come... how come you're not able to speak to the right person, when you ask what tdo they say to you?

Thanks everyone - I wasn't aware this was so rare so will certainly make sure I update you all via the forum. Everything has been sent off and we have asked them to phone to confirm receipt of the letter and then to formally reply to us by 31st August with a decision. Phone calls have been very poli...

I don't know but after looking around at various companies I found Melanie Giles (from this forum) to be the one that I considered the best. In the early days she actually advised Bankruptcy would be the best route for me to take rather than an IVA. I instantly knew she was doing what was best for t...

Oh I see... well we shall see how it goes and I'll keep you posted as to how it goes!

Do some creditors not enter into discussions with the debtor themselves then and only speak via an IP? I have 5 creditors although I have two accoutns with two of them i.e. o/d and loan, and card and a loan.