night night

hey i've got a star - do i win a balloon ?

quality.

hi
thanks for the encouragement on my thread. slightly off topic, some days all i dream about is escaping this country and canada would be my first choice. have you got a job lined up, are you skilled, how have you decided which part of the country to go to. are you my doppleganger ?

amazing amazing amazing. i can't begin to tell you how much these messages are helping at the moment. we started our business 10 years ago and up to two years ago i thought i was good at it. we had debt, but it was calculated and manageable. i always thought if i saw a downturn in trade it would be ...

thanks again guys and gals. i'm speaking to tina at melanies office tomorrow i'll post and let you know how i get on on.
soul growth i'm sorry you don't like my forum name i daren't tell you what my alternative was !!
anyway back to misery and self pity...........

thanks again everybody. if i go down the iva road and it doesn't get approved is it automatic bankruptcy ? also re the other thread thats on here about stopping any payments to creditors prior to the iva being approved is that an essential part of the process or can you continue to make minimum paym...

not a great day today. wife on phone early doors in tears because hm customs were threatening to shoot us at dawn for unpaid tax. spoke to tina at melanies office who is calling again on friday to go through things in detail. payplan called me as arranged but person i spoke to just took all the deta...

i'm overwhelmed by your messages. thanks
i've filled in melanie's enquiry form, and payplan are ringing me tomorrow, so i'll take it from there and keep you informed.

thanks, thanks, thanks. i'm really touched by your replies. it's just the words, iva insolvency debt bankruptcy just reek of misery. it's like some giant monty python type character is pointing at you shouting LOSER. melanie, if i follow your link to the enquiry form will it be yourself who contacts...

thanks again......i feel such an utter failure. i'm 41 years old i've worked since leaving school. built a reasonable business over the last ten years got a fabulous wife and 2 gorgeous kids but i feel now that i've got me cap in hand scrounging for help while the wolves are circling. awful.

thanks for replying so quickly. i've not included food, petrol, kids clothing etc in the essential outgoings. i just included the mortgage, utilities, insurances etc that go out by dd every month. add the rest on and there's sod all left. i will contact melanie giles, thanks for that. my other query...

hi all i've probably beeen putting today off for the last 2 years, but having amassed outstanding balances totalling around 96k, not sleeping properly for the last year i've made my first telephone call to a company i hope can help. this company is payplan,and i was hoping anyone who has had experie...