Hi Welcome! Don't worry about feeling sick and ashamed as you are bound to feel like that - all of us do and you are only human - the best thing about talking to this forum is most people feel the same so don't feel bad about that. I think from what you said you are fairly lucky as you don't have No...

Sorry Pippa I don't understand the understand but am totally having a blonde day today!

Hi Skippy Hope you are well - yes I see what you mean - I guess i just don't want to go to the trouble of changing over to a new bank account now and having to get all my wages etc swtiched if I am only going to be doing again in a month or so's time when I have to find another bank account - I gues...

Sorry another one! When I thought I was going through with an IVA I decided to open a new bank account with Alliance and Leicester - I have been with Smile (COOP) for over 10 years and have an overdraft of 900 quid with them which will be taken into the BR arrangement. They have today sent me a load...

Hi - for what its worth I completely and utterly agree with what the others are telling you. This is just my opinion and obviously seek advice but i would go forward with the IVA as you have your i and e now and tell them that there may be a payrise in the offing but this is not CONFIRMED! One thing...

Thanks Melanie - you guys really are heros and do a invaluable service - two days ago I was contemplating all sorts and now I finally feel as if I am ready to accept what I knew all along and just get on with it - thanks again and will let you know what happens when I speak to my IP tomorrow he seem...

Skippy, I think I had one of those major wobbly blonde moments where I began to doubt everything and then my husband who thinks i am mad to worry about what NR will say (why do I even care?!) put it into perspective for me. I need to be brave and just face this. Its only for three years and even if ...

Hi Melanie The link is here - http://www.bankruptcyhelp.org.uk/what_happens_to_my_assets.asp hope you can cut and paste that in - I took what it said about equity and assets so you can see what I mean when I said I was worried - the problem with this type of thing reading over the internet it isn't ...

Hope you are OK - just remember to take your time and explore every option, it is only debt and there are thousands if not millions of people the world over who are in the same boat - if you need anything or just to rant then do so! hopefully things will seem brighter over the next couple of days ha...

Hi Skippy no I know you wouldn't ignore me (although I feel like ignoring me at the moment even I am getting bored of my dilemma!) Just had a chat with husband and he just said relax, why are you getting so stressed these banks make huge profits every year and they were given a chance to have repaym...

Thanks scaredkez. I am sorry that I rambled on I guess I am trying to find the right thing for me. I think I wil speak to Andrew tomorrow the IP that has been dealing with my IVA. I want to get it clear in my mind before i commit to anything, i have read your blog tonight and I really do commend on ...

Thanks scaredkez - I know I am panicking, I feel as if there is a big weight over my mind and shoulders and I cannot stop grinding my teeth just feel sick all teh time and yet I know I need to get this sorted. I have put off the creditors because I was doing an IVA this month but I know they are goi...

Hi thanks for your concern but this is the official blurb and it doesn't sound great - it seems to me it is saying no matter what my husband does (he has a great credit record) the house will still be siezed into the hands of the OR - I understand the third party thing but this doesn't mean that its...

OK thanks Skippy - but I think I am going to have to rethink the BR option but thanks anyway I really do appreciate all your help you have become a virtual friend and a very good one! but I know that I am going to put forward a DMP to NR and the others and then just pay it off over the years as BR i...

But wouldn't the OR just take the house anyway? if I go BR then I have no say in what happens to any of my assetts do I? they are then in charge then aren't they and can call the shots and make me do whatever they want me to do - it seems a bit of a leap in the dark for me, I would if that would be ...