Very true. I have never discussed our situation with my family and I have just 1 friend I have confided in. Defo a stigma attached to debt problems. It's reassuring to know we are not alone x

That's 2 of us today then!!!! Congrats. Feels good doesn't it? Good luck x

Thanks. We really can't believe it. I haven't posted much before but this forum was the push I needed to puck up the phone to ask for help. I am so grateful for the virtual support!! X

I cannot believe we have just had our proposal of a full and final offer accepted!!!! Sooooo happy. Thank god I picked up the phone to Melanie Giles back in august when I was at my wits end. I cannot thank the team enough. What a great start to the new year and we have learnt a new skill-budgeting!!...

From someone just embarking on the journey can I say how important your comments are. this site is what encouraged me to ring Mel a week ago-I feel I can now look forward and am working hard to get my paperwork in order so that my IVA can be proposed.

Thanks have done that today with Nationwide. Wanted a branch for convenience but will prob do everything online anyway!!!

In the process of gathering info for iva proposal to be done. I have bank accounts and credit cards with the same bank. I understand the right to set off any credit balances against any debts, however does this continue after the iva is set up?

Thanks. So glad I found this forum as I was at my wits end constantly feel sick. reassuring its not just me. need to pluck up courage to break the news to my hubby eek. So pleased to have someone to talk to that wont judge me. Still have a million questions....

Thanks for your replies. Starting to feel like there is some hope. have been putting off doing this for around 12 months and batting credit cards around. Feel mortified.The endowment policy I think is assigned as it was taken out to repay the mortgage (well part of it). relieved about this as we wou...

So many questions...thinking iva is the only option as now unable to make min payts on credit cards...From looking on this Forum I know who I would like to help me through this and also this looks like a great place to ask questions so here goes...I have an endowment mortgage with an endowment polic...