Just emailed you back....erm twice [:D]

Yeah I know, couldn't really get much worse than your birthday !

Yeah I am on facebook as it goes is there a way of sending you private message or am I okay to put on here??

I can top that my home was repo'd on my birthday! Anyway thanks again for the reply, I've been making notes on questions to ask and contacted Melanie Giles direct as I think this is somewhat unusual in the issues I have with welcome etc. The car is financed by my father and all paperwork is in his n...

A quickie.... As I am unable to get credit etc, earlier in the year my car broke down, well actually it threw the teddy right out of the cot, down the stairs and out the door...it's was finally goosed. My dad (very kindly) financed me a newer car, diesel to make things easier for me and what I save ...

Hiya, Okay I understand now. Can I be completely honest [:I]for sometime now I've been walking around with my head in the sand and I quite openly (although ashamed to admit)been filing all my debt letters in the bin, I suppose hoping they'll go away? I actually have very little knowledge now of exac...

Hi, No neither barclays or nationwide are creditors. Can I ask a question?? Having read through various sections on this forum I'm a little confused as to what happens exactly with the iva? Can you give me a short run down ie application/creditor meeting start of iva and reviews meetings moving forw...

Morning all, In response: MelanieGiles: The creditor concerned is Welcome finance. Going back to 04 I got a loan from them in which stupidly (very) I topped up periodically until I had to go secured due to value of loan. The last "top up" paid off my exsisting loan, gave me the extra cash I needed b...

Hi, oh dear...just some digging on the money group and found this not happy!!! "This company have only been active for a 3 months yet lie about being large and badger you for over an hour till you agree and give your switch details. Do Not as they will take payments even if you don't think you have ...

I really appreciate the replies and comments from you all,infact I feel that I've got further in the past few hours than I have in 3 or so years! Can I say I feel I dunno, erm cared about? That there is people out there who are prepared to help a stranger rather than the faceless other's that don't ...

Hiya, just wanted to thankyou all for the replies comments and support. If I'm totally honest I don't know what the heck to do or where to go. I'm so sick and tired of this debt in particular welcome finance, i wish i'd never set eyes on them! Just spoke to payplan and they seem pretty good, wish I'...

I have considered bankruptcy but having gone through the protocol with cit adv apparently I earn too much....(where it goes I do not know) but if I have over £300 disposable income then it will be refused? I only went with money group as they have come recommended by a friend? I'm also very unsure a...

They simply said that if I aren't approved then I will have to go on debt management plan (no mention of any refund)? Thats not really anygood to me as I see it that by the time I've paid the biggest debt off I'll be 93 years old at the current (affordable) rate I'm paying now. I was told by the cre...

As it goes yes they have asked upfront fees nearly £400 but I can pay it weekly. Once that is paid up then they will start the process. They have told me any call/letters have to be referred to them with a reference number? I got a mahoosive envelope through the post yesterday asking all manner of q...

Hi, cheers for the replies. I say application I had a telephone application in which I went through what debts I could remember, and the lady I spoke with seemed concerned at the big debt. Sometime ago I contacted cit adv and went through all the protocol to be told that I couldnt/wouldnt be able to...

Hi all, newbie on here I'm afraid so please be gentle. I've just applied for an IVA but very concerned at my app been refused by one particular creditor as they have done there upmost best to cause me hassle, they are the majority of the debt I currently have, what happens next?