Not going well so far - I'm not sure at the minute whats happening all I know is some creditors want more info and some have accepted with modifications and some said no. I'm waiting to hear the outcome and have managaed to be sick twice in the meantime. Every minute feels like an hour and I don't t...

I don't know if it helps Lily but Yorkshire bank offer a Basic account called Readycash - there are no overdraft facilities and no interest paid on the credit balance but you can set direct debits up from the account and you get a maestro card.

Hi Melanie!
Am flapping now because of Egg in anticipation of Monday as I paid the DMP to them until November then stopped it. 5 days to go and got myself in a right old state again!! But then again it wouldn't be me if I wasn't!!

I'm really pleased for you - just hope we are in the same boat on the 22nd!

Good Luck for the 8th Stephen - our date has come through today we are up on the 22nd!

I would recommed Thomas Charles - ours is a complex case with huge debt but I have met my IP face to face and they have been incredibly supportive - it has taken since November so far but we are aiming to have my proposal agreed within the next couple of days and have a meeting mid to end January.

Congratulations Bluebelle - am really pleased for you

Congratulations Dominic!! What a relief for you. I met my IP yesterday. It was worth the 4 hour each way journey! She was able to answer all of my questions and made everything seem much less daunting. I was taken aback though at something she said about the debt advisor company who had referred me ...

It looks like this will happen in our case - I am meeting our IP on Thursday and she has said she will have to apply for an interim order to give some breathing space - do any of you have experience of these orders and if so what the process is?

We initially approached CCCS who recommended a Debt Management Programme. However, we have a very high level of debt and we were not advised at all about IVA's. We were told about bankruptcy but we didn't want to go down that road as we would be unable to work. When a creditor refused their offer th...

I've had creditors ringing me at work which is very embarrasing as no-one knows about my situation and it could cause me problems should they find out. They have all been fine when I have told them they cannot ring me at work and that if they carry on doing so they may cause me to lose my job which ...

We have just started the IVA process and it is extremely daunting. I had been in a debt management plan with CCCS but with hindsight that was never the right solution as we owe an enormous amount of money. It would have taken 15 years on a DMP. Matters came to a head as I received Court papers from ...