Hello and thanks for your comments - especially Dave. I will go and investigate a few places, the only problem is the only Opticians in our City that does one hr lenses is the one that cost three times as much for the frames so I disregarded them - but I will look into it further. I also was surpris...

I agree with Andy about promotion often leading to extra upaid hrs of work and increased stress - and where is the satisfaction in that?!?!? I had the chance of applying for a promotion recently and it has just come up again - but it would be a 40 plus hour week, plus an extra 10 hrs travelling each...

My glasses are driving me mad! My lenses keep getting 'mucky' in the middle and restricting my view literally constantly. I have been back to the opticians because I never had this problem before and can you believe it - my eyelashes are too long - well actually it's my lenses that are now to thick ...

Hi We have just received our annual report and don't understand the first page! It says that the dividend is one pence less than the supervisor's estimations, 'however this is subject to change upon receipt of outstanding claims from creditors.' 'The present decrease in dividend is due to an increas...

HI

Thanks for all your comments - I have passed them on to her and am keeping my fingers crossed!
Thanks, Kitney

Hi Thanks for this info it is very useful. Can I just clarify that if she can’t go in to an IVA, she seems to think that when she comes to retire and she still has debt to pay (both secured and unsecured) that she will be able to make some kind of offer (clearly no where near enough) to them to fina...

Hi I read these comments about bankruptcy with interest and am very confused. My parnter and I have been in an IVA for a year now. A the time of making the decision whether to go br or have an IVA we were advised that if it went to court the judge would probably turn us down because we could afford ...

Hi, said the equity is £60,000
Thanks, Kitney

She pays £300.00 per month for her mortgage and will pay this for a further 7 years. I will call her now and ask about the equity. I forgot to say one of her loans is secured against her house.
Thanks very much for your promt reply.
Kitney

Sorry forgot to add - is there an absolute minimum monthly amount to be paid into an IVA? I thought it was £250.00 but read it could be lower say £200.00
Thanks, Kitney

Hi I've been in an IVA for a year, and my friend has got wind of it and wonders if it is the right thing for her. The difference is I don't own a home and she does so she has a few questions below that I can't answer: She is a 56 yr old home owner and currenlty has approximatley £25,000 of debt, and...