I have a basic account with Yorkshire Bank and they have been great,

Hi Rexy
Melanie Giles would be our recommendation every time.

I agree with all the above - I had a different experience with Picture when we tried to get a neg equity loan with them at the worst time when we had "hit the wall" and had no other way to continue to rob peter to pay paul. they picked up on the mess we were in and said no, quite rightly. With hinds...

We went on the register within about 4-5 days of our IVA's being approved. I had never even heard of the register before embarking on an IVA so it doesn't worry me too much about people finding out we are in an IVA by searching against it - we have also googled our names and nothing came up!!

Hi Dave Melanie is our IP as well and while we are 2 months into our IVA (which is working really well I'm delighted to say)things still crop up from time to time. Melanie will always speak to you if you ask to speak to her or if she is unavaialble she will always call you back - she will also alway...

well done Ian - its a huge relief and a wonderful feeling - we are just coming up to our second payment and everything is so much better!

Nina, what Melanie has advised you is quite right and you must not sign the RX1 form and I hope your solicitor has already told you not to do this. If he declares bankruptcy half of the equity will vest in the Official Receiver and you will have to either sell the property after year or reach an agr...

The basic answer is yes, your wife would have an equitable interest in the equity of your property. When you are married it doesn't matter whose name the assets are in as effectively everything goes "into the pot" to be divided upon a divorce and the starting point is always an equal division of all...

congratulations neverending - well deserved!

Hi Tracey You need to see a family law solicitor who will be able to reassure you and advise you fully. they will know about IVA's and it may well be that you could qualify for legal aid. You are having undue and unreasonable pressure put on you so please go and take legal advice - many firms offer ...

Are there any financial matters which need to be reolved within the divorce proceedings between your partner and his ex wife? Is so, his solicitor should be told about the Bankruptcy. If your partner owes money to his solicitor and tells them of the bankruptcy they are unlikely to continue to act fo...

Hi Zoe
You'll not go wrong with Douglas -he is very helpful and supportive.

I would always recommend Thomas Charles from my own personal experience with them and having talked to a few other companies before I spoke to them. They are very professional and incredibly helpful. Do speak to several companies but please have a word with TC and do have a read through the forum wh...

Hi Andrea We had a together mortgage with Northern Rock. I paid mine until before the Creditors Meeting for no other reason than I had been so used to paying it, it went out of my head. I did stop it last month and they have been very good with me and Ihave had no problems with them so far. I stoppe...

Hang on in there Bengy - it is very difficult when you get wroked up in anticipation of the crediitors meeting and it is then adjourned. It happened to us twice and you go through all sorts of panic and stress. But this time will be used by your IP to do whatever they can to turn the votes around to...