hi all, firstly can i apologise to churchmouse for posting a question on the bit you were using! i am also new to the forum and my seven year old is better with computers than i am so please bare with me.isn't it great to be able to winge with people who really understand?!reading the messages has r...

hi, i am quite new to the forum but its been a huge help to me already.on reading your messages and others, i noticed people saying they were having trouble with hsbc,this worries me a little as one of my biggest debts is with them.can any one reassure me(sent papers off today to begin iva). maybe y...

HI ALL, THANKS TO EVERYONE THAT HAS REPLIED TO MY PREVIOUS MESSAGES.SO GLAD I FOUND THIS SITE.I HAVE A QUESTION FOR ANYONE WHO IS ALREADY UP AND RUNNING IN AN IVA-HOW ARE YOU FINDING IT AND DO YOU HAVE ANY ADVICE ON MAKING IT THROUGH THE NEXT FIVE YEARS ON A BUDGET?CANT HELP BUT WORRY ABOUT HOW WE W...

THANKS ALL FOR YOU REPLIES! I REALLY APPRECIATE IT AND IT REALLY HELPS.FIRSTLY THE NAT WEST STEP ACCOUNT IS JUST A BASIC BACK ACCOUNT WITH NO BORROWING FACILITIES.BLUEBELLE, I THOUGHT THAT PRIORITY DEBTS MEANT THE CREDITORS SO YOU DID ASSUME RIGHT!I HAVE BEEN ON THE PHONE TO ACCUMA TODAY(THEY ARE SO...

THANKS TO BLUEBELLE,SKIPPY AND FREELILLI FOR YOUR REPLIES.YOU DONT KNOW HOW MUCH IT MEANS TO ME (WELL YOU PROBABLY DO!)YOU REPLIED SO FAST AND SAID LOVELY AND HELPFUL STUFF IWAS BAWLING AS I READ!BETTER OUT THAN IN!I AM DEALING WITH KEITH AT ACCUMA AND HAVE ALSO DEALT WITH JOSEPH.THEY ARE BOTH TOTAL...

HI THERE, I HAVE BEEN CHECKING OUT THIS FORUM FOR A FEW DAYS NOW AND ITS BEEN SOOO HELPFUL TO ME!THINKING OF DOING AN IVA AND I HAVE RUNG A FEW COMPANIES AND DECIDED ON ACCUMA.SO FAR THEY HAVE BEEN REALLY HELPFUL TO ME.THE PAPERWORK ARRIVES TOMORROW AND I<M GOING AHEAD.REALLY SCARED!!DOES ANYONE ELS...