Thank you very much!

If you ever get out to Canada and want some free snowboard lessons let me know!!!

Hi! Thanks for your replies again! Sorry - my last message did not make sense - I meant to say DMP not IVA. I think I will contact Brightoak and compare them with Payplan. Yes, with regards Canada I am very excited - it feels so right - I have wanted to go there for about 10 years now - I got some g...

Hi! Thanks again for your replies! I originally went to quite a few firms regarding IVA's and they seemed to take into account a lot more possible expenditires than Payplan did, so maybe if I go back to Payplan and add some more expenditures then the monthly payments might be reduced somewhat? Or ma...

Hi Kallis3

As always - thanks very much for your info.!

Nah, it's not a Ferrari unfortunately! It's a Golf, worth about £1,500 max.!!!

I am thinking of going with Payplan for the DMP, but th repayments they proposed seemed quite high - more than in an IVA...

Hi Guys! Well, I have now decided that an IVA is not right for me - thanks to everyone for your advice and info.! As I am going to Canada for a year in January 2009 for year, maybe for good, I just do not feel that it would be right to enter into an IVA when there is a good chance it will fail. So, ...

I read somewhere that I would need to tell my Employer and my Landlord that I had been declared Bankrupt. Surely they would find out one way or another at some point anyay? Surely it would be better to come 'from the Horse's Mouth'? I work for a LOcal Authority. Would my TAX Code not be set to '0' a...

I think I am going to go straight for BR now, and forget the DMP / IVA - I know I am going to have to go BR eventually anyway so I might aswell bite the bullet and go for it now and not waste everyone's time. I need to hold out until September though - I need one more full ay from work to get the mo...

Ok thanks Jan.

Yeah, they seemed decent enough when I spoke to them yesterday - some of the other IP's have seemed a bit 'out on the sell' if you know what I mean? Which is fair enough I suppose...

Cheers!

I would love a hug right now...!!!

Hi Melanie!

Thanks once again for your advice! I have been in contact with Payplan regarding a DMP - are they considered to be a good company for DMP's?

The £500 which I have in cash will either go towards BR fees (if needed), or a flight to Canada...

Hi! Thanks everyone for your replies and your support! Yes I agree - I really do need to do something about it now - it's getting a bit nasty! It's not that I am trying to avoid it or pretend it's not happening, I ma just mad busy at work at the moment and have a lot of stuff going on and I'm findin...

Dear Forum Hope you are all well! I have just received quite a scary card through the post today from Co-operative Fiancial Services saying that: "We have instructed Power 2 Contact to visit you at your home address within the next 10 days to discuss the arrears on the above account. In order to avo...

Hi Viki!

Thanks for your message! Yes, I will keep in touch!

Cheers!

Dear Forum Thanks to everyone for the replies. I have now cancelled all the SO's and DD's to my creditors. I don't think I will even offer the token payments now. I am too far gone, with £46,000 debt I need a more permanent solution. I will contact an IP this week, either for a DMP or IVA. Thanks on...

andydavie wrote:

Hi snowman
Quote "maybe a DMP will be better for you until you return from Canada ?

Hi Andy

Thanks for your replies!

Why would a DMP be better? Does it allow for more flexibility or something?

I may end up not coming back from Canada at all...