However we still had about £22,000 of debt we continued on the debt management plan Ok so this is where i need advice we now have a mortgage outstanding of about £45,000 and a house worth £115,000 loads of equity we think, however we have debts still of £22,000 which need sorting easy we thought rem...

Hi All I once again need some advice please Me and my partner were in awful debt with absolutely no way out our mortgage was maxed not behind but only on interest free payments and total debt was about 125,000 we went for an IVA and was refused. Anyway we ended up on a debt management plan which wou...

Hi All Long time no speak to, hope everyone is ok. I am needing a little advice, we were in masses of debt a few years ago and was at the end of our tether, i got loads of advice from this site and you lot really helped me through. We applied for a IVA and it got refused and we ended up plodding alo...

Hi Lily
Can't even start to imagine how you feel but just wanted to say i am thinking of you, you give so much to others and your such a wonderful person, take care of them babies and think of yourself a little
luv julie

hi cb 246
firstly good luck for your meeting
but i really just wanted to make the comment aren't mercers lovely people NOT

Julie

Hi I know that what we owe nr is a spit in the great big wide ocean and wouldnt have made much differance to the current situation but after they refused my IVA yes Lili i did have a little tiny chuckle how evil of me sorry folks but they caused my iva to be rejected and the following ten months hav...

hi melanie
yes it was a 3 year year credit agreement

Hi All, As most of you know me and my partner had an IVA proposal rejected back in March by one creditor (NR)we have since begun a DMP to see us through some time while we explore and try and come to a more acceptable offer for NR. The DMP is set up and is working ok a few of our creditors have now ...

Hi All, As most of you know me and my partner had an IVA proposal rejected back in March by one creditor (NR)we have since begun a DMP to see us through some time while we explore and try and come to a more acceptable offer for NR. The DMP is set up and is working ok a few of our creditors have now ...

hi i also had a phone call like this the other day i spoke to the lady though but she did go on and she did make iva sound very fashionable would be lovely top think i could get rid of my debt just like that and get it reduced as well, next iva will be advertised in glossy mags and billboards how de...

hi
does anyone know if one of my creditors is dfs will that be included in an iva or debt management plan
thanks all

Hi Thankyou for all your support it is so good to talk to people on here. i am so scared at the moment. I have actually started the DMp and we are hoping as Andy said to be in a better position for an IVA in the near future. just so scared and because most of the companies tell me the DMP managers a...

hi rainbow Thankyou so much for your reply i am in a bit of a state and just sit here upset and waiting for replies, im sure you know how it is. Thankyou again. Has anyone had debt collectors coming to thier doors and if so how am i supposed to deal with them, really scared of my phone alrerady and ...

Hi Sorry its a while since i been on here but it all got to much for me and i have had a little time hiding away, As most of you know our IVA was rejected in march and we were adviced to go on DMP for a few months which we did. A few of our debts have been sold on two off which being barclaycard the...

it was online yes thanks for your reply i just find it really hard to go into branches and be declined face to face but then that is something i have got to overcome isnt it thanks agian julie anymore ideas on banks as we have barclays as one of our creditors and no abbey branch local to us we live ...