I think what is interesting in all of this is that people don't know the advice they don't get . I can completely understand people defending the path they selected. It's only human nature. But knowing that, if people can look at these issues as a third-party it will help to make them clearer. Some ...

Hi All, [:)] For those of us inside the industry there is a lot more that we know but can't say publicly at this time. Just keep your eye on the http://myvesta.org.uk/articles/ section and watch for new industry information. What I can say is that solicitors have reviewed information from the articl...

Curious, anyone agree with the statement that "young people use IVAs to attend to their debt problems before entering into big commitments such as a mortgage" from this brief article on Money Expert? MoneyExpert.com - IVAs offer alternative to bankruptcy - 02/10/2007 People struggling with their deb...

As crazy and ridiculous as this may sound. I just found out that Northern Rock has used a post from this forum and particular Melanie Giles in its defense of the case recently brought against them for not treating customers fairly. See http://observer.guardian.co.uk/cash/story/0,,2179947,00.html In ...

I completely agree. Nobody put a gun to anyone’s head and made them take out credit. I enjoy using credit responsibly. I also support and agree that banks are entities that are supposed to make a profit and money. I’m not against making a profit at all. Profit is what keeps all groups in business, i...

Forgot to mention this interesting story about how creditors will accept dividends as low as 10p on the pound in Scotland. http://business.scotsman.com/index.cfm?id=1390012007 Steve ---------------------- Steve Rhode President of Myvesta Foundation Member Agencies Myvesta US | Myvesta UK Myvesta EU ...

While we contemplating our navel or CCCS and others I can only offer the following two recent articles for you considration. One that asks some timely questions and the other one that suggests that creditors should sit with a CCCS advisor to see what it is like on the front line. http://myvesta.org....

People have no idea how hard it is to try and do something nice. :-) Thanks for the notice on the new site our US Myvesta Foundation created with DatingForDebtors.com . The idea behind the site is simple, you can find more about why we created the site here -- http://myvestafoundation.org/articles/a...

Catullus, Thanks for the feedback and no worries nicking the video. While the petition might not have a singular impact, it does give people a way to stand up in public and say "This is not right." Otherwise right now I'm sure the creditors and others are thinking that nobody really cares so they ca...

If anyone here belongs to any other forums or groups and can please help spread the message about the online petition at 10 Downing Street, please do. There is a real chance that if we can get thousands of electronic signatures on the petition that it will actually have an impact. Please help protec...

Hi All, Nice to see the thread on my most recent article about how TIX, an unregulated entity, is dictating marching orders to highly regulated insolvency professionals. These orders limit access to debt help unilaterally by creditors. This is not a point if an IVA is suitable for all. It's clearly ...