Hey...thank you and if it's ok Melanie I would like to give your team a call tomorrow. It seems I have been hanging on to a hope that I could cope with all this,and that someonehad my interests at heart. However today, although has upset me greatly has made my blood boil...actually ok, more upset th...

Hi No I think it was the person before the IP....I am waiting on a phonecall on Monday. However after having had time to think about what she said, I'm not clear on a few things...the major one of which seems to be that she calculated my disposable income before tax, Is this normal? I have a job wit...

Hi I finally had my IP meeting last night (after weeks of runaround). I owe £54,000 (due to a failed business) and have been told that my payments will be £338pm for the first 12 months (during this time I am also selling my house and expecting to walk away with £20,000 equity which will all go towa...

You have 3 weeks on me!!!

Thanks for the advice....I don't want to pysically have the money in my hand...just have the bank reduce the amount I owe....charges would pretty much clear overdrafts on both accounts!!!! But think I may wait until I find out the outcome of the IVA before persuing this route...I don't want anything...

Hi There are a lot of charges from the bank on both my personal account and business account and am wondering if you have any advice concerning this. I have yet to work out the final figure...but the past 3 months alone on my personal account total £660!!!! Obviously I would like to apply to have th...

On the holiday front....are you aware that Flight Centre have a price beat policy? This applies primarily to Flights but they are also really competative on hotels, Eurostar etc...oh and if you are either under 25 (Youth) or under 35 and in full time education (Student) they have special student/you...

Hey....I am also suffering from stress attacks...have recently started a new job and am on an intensive training course, but am finding ot hard to concentrate as I'm so worried. I have yet to have an initial conversation with an IP although have had a letter to say that they are looking through my p...

Hey...I am quite lucky as have agreed a sale to a family member, which I am just waiting to go through...they get an investment and I don't have to deal with estate agents!!! Not sure yet how much in the £ it is likely to be...or what IP cost are likely to be...I was told that the IP costs came out ...

Am wondering if anyone can answer this question. I have just heard from HSBC that they have passed on my debt from a business loan to Metropolitan collection services (I have not made any payments for 4 months),and have recieved a letter from a solicitor demanding paymentin full...obviously I cannot...

I live in zone 3 (not so far from you)....and am happy to move a bit further out, but I work in the city and really don't want to have more of a commute than I already do, but am looking at options. My real question I suppose was if I could up and move now while everything is going through or if I s...

Aye...it is not a good situation and adds to my stress....my issue is that I have put this all off for so long, struggled, robbed peter to pay paul and finally got up the courage to get things sorted..paperwork has just been sent off...and I have not been managing to make payments to creditors....on...

Hi all I have a question about moving. I currently live in rented accommodation and have just sent off all paperwork to debt free direct (am hoping to be able to do a one off IVA payment as I have a house in another part of the country I am selling). However I am currently sub-letting a room in a fl...

Hi Ellie553 Thank you....I do know that most successful people have failed one way or another in the past...and although finacially things are bad, I have learnt and grown unbelievably as a person. I have recently started a new job which I love, and amazingly am doing well. I do believe that if I ha...

Hi....I am also looking at a one off IVA payment...am just off tho send the paperwork to the IVA company. I too am selling my house to raise the money, but I would rather do this, pay it off (if I can) and start again from scratch. I have had to have a new job whcih does not really allow a whole lot...