Hi All thanks for you support. Well i told my husband, Yes we had shouting, silence lots of crying by both of us. Then best of all he said we'll get through this together on condition there are no more secrets. He made me phone my parents and tell them as he said every thing has to be in the open. H...

Well i have decided today is the day to come clean to my husband. I have put everything down on paper, Debts,payments being made, who i owe + normal dd for electric gas ect. so he can see a break down. I am now sat waitting for him to get up so i can tell him. I know now i can't keep this a secret f...

Thanks Kerri,

I have just been on Melanies website and filled in an enquiry form. I will get advise from Melanie before i do anything else.

I would like to say thanks to everyone for there support and advice.
Ruby

Thanks Melanie I would like to discuss my situation with you. The people i have spoken to have not mentioned refering my case or details to any one else. They have said that if i do with to go ahead and sign thier agreement i need to make the 1st payment on 1/12.They have sent a giro slip. I asked t...

Thank you all so much. I have seen some of Melanie's advice and i think you are right i do need to talk to her or her team. I am just so frightened of what is going to happen, i also know i have got to admit this to my husband but i an afraid of where that will leave us. I suppose i must think of it...

The company i have been talking to and who have sent me all the paperwork are Chase Saunders Ltd.

yes it is one of them. I have loan with them and a credit card both of which will be taken into account. I don't know why they didn't advise me of this as i said that the loan was with the bank my wages go into. Best i start sorting out a new bank account on Monday. Now i am worried as it means i wi...

My loan and 1 card are with the bank my wages go into. Now i am realy worried as the company i am going to use said i shouldn't need to change bank. Also my husband doesn't know about any of this. I have a seperate account my wages go into but we also have a joint account at the same branch.(i suppo...

Thank you for your advise. It just feels realy strange and wrong not to make the payments but as you say it could look like i'm favoring one and not the other. I did pay one card (minimum payment)yesterday & my loan is due to be paid by dd on the 1st so i think it is to late to stop that. I just hop...

Sorry this may sound a bit silly but i don't know what i should do for the best. I was advised today by the the company that will possibly act for me on my IVA(i have recieved the paperwork to read & sign today)to stop making payments on my loan and 3 credit cards. I have been making minimun payment...

Hi Alexprison, I know how you feel. I am sure every one here feels the same (or has done at some time). I am totally confusued, scared and feel physicaly sick. I can't talk to my family about the mess i am in, i can't even tell my husband. I owe £29000 and just keep thinking how did i let it get thi...

Thank you for your advice. I think after reading some of the advice people having given each other on this site i will be looking around. I have been paying the minimum payments on my cards but Chase Saunders today advised me to stop all payments on my Loan and the 3 cards i have. Can you or anyone ...

Has anyone heard of or used Chase Saunders Ltd. I am thinking of using them to set up my IVA. I have read all the documents they have sent, but they are not listed on the comparison sites.
I would be gratefull for any info.[?]