well i aint that old but i am old enough to know you dont always have to spend money to enjoy things, nor do u need to to have a good time :D.. money does help sometimes massivly lol. talking,walking enjoying a sunny or even rainy day outside dont cost owt.. maybe try enjoy the simple things in life...

Congrats Sarah & Melanie's team!

hope i can sound as happy if/when my big day comes lol....

lol many moons ago i worked abroard and ended up coming back to england with around 5 thousand pounds in my bank account. i was currently with yorkshire bank and at that time they didnt have a visa/cirrus/maestro card which worked abroard, needless to say i went to the HSBC(used to be midland) bank ...

I have been rebellious for quite some time.... sadly i had comeback ...and now here we i am in this mess!! ;plol. Thanks for all the advice on here, It raised some points i was unaware of and also helped calm my nerves and after speaking today with Tina(above) who might i say was very helpful and ex...

thanks Tina ;), no she has not benifited nor helped towards my issues it was all before her lol. she actually earns quite a bit more than me, 400-500 more per month after tax the company doing my DMP origionaly said they did IVA.. yet now 1 year down the line when i questioned my acceptance again, t...

i was advised to swap banks when i started the DMP, as i had debts with the bank then. i am now with anothe bank and have a normal account with nat west(same bank as my partner).

will have a look and call some IVA specialists tomorrow and see whats said.

thanks for the advice, we are not married yet were getting married next year in may atm were only engaged. everything for the house is in her name not mine, all my debts are all in my name and before we got together/lived together. i shall be off to the bank tomorrow to get taken off the account of ...

Hello all, i am currently on a DMP and looking to be switched to a IVA. i have a few questions regarding this issue thou. 1, i said that atm i live with my girlfriend in her house which she owns, i cotribute towards the bills and upkeep shopping etc (just as i would do if i lived with my parents). t...