Thankyou again Melanie, for your quick response and helpful advise. Ive had to wait for this payday to make another payment and I want to get it right to keep the crediors on side as much as possible. Last month I could only give them £10 each as my IP took our money when the IVA failed and left us ...

God evening. Looking to make token payments to my creditors in the interim period. Should I pay the creditors with the higher amount oweing more than those with the lower amount? I know its late, but if youve been advised before then please let me know. Thanks

Hi guys, just got home from work. Thanks for the messages of encouragement so far, they have been great to read. My wife and I really thought the failed IVA was the last hope we had. Im so glad I found the website and the wealth of experience and support available. Thanks. MAT

[Thank you I have just posted it online to you! I have a telephone meeting with you at 3, would it be possible to do at 4 as my father can look after my 8 month old? if not I am still available at 3 but we may have to piut up with some winging. Thanksquote] Originally posted by MelanieGiles I'm sorr...

[Hi Melanie, do you have an email address that i can send the information to you! quote] Originally posted by MelanieGiles Nothing - I'm just highlighting this as an option that is available to you to try. If I were presenting this case, I would have got prior approval or rejection from Northern Roc...

Hi Melanie. Just wanted to say thanks for your advice so far. I have left our details on your website and I am hopeful that you will be able to support us. I cant beleive how stressful this whole process has been and how long we have been struggling for. Its the interest payments that get you in the...

Vikki & Jan. Thanks for your advice. I will certainly be speaking to Melanie's team tomorrow. I cant beleive the lack of support at such a difficult time from my current IP team. Its almost as if they took the money and washed their hands of us. Thanks again. Money_Help, sorry you're having to go th...

Melanie. Is there any reason that the outcome from Northern Rock would be any different if we proposed the IVA again. Whats to stop them just refusing again. You will need to start again I am afraid, but there are several IPs who I am sure would be happy to look at this for you. If you are determine...

Melanie. Are we allowed to start the IVA process again, or just make amendments to our current proposal. Although that proposal is outside the 14day consultation process. I cannot beleive bankruptcy is the only option when I am willing to make payments. Would appreciate your feedback. Alternatively ...

Yes the rejection is my concern. Blair Endersby said in a follow up phone call after the meeting of creditors that Northern Rock were not agreeing to any IVA's as they were more interested in getting back what they could from debtors. They could have advised me of that before the meeting. In regards...

Hi Melanie. The Northern Rock together loan is £186 per month for 30 year term. When you say a second opinion on either IVA or Bankruptcy, do you think it is worth trying to resubmit the IVA? I suggest that you take a second opinion before deciding on either IVA or bankruptcy. But firstly can you te...

Thanks for your quick response. The company we used were Blair Endersby (assigned to us by Bainst & Ernst). The amount we could afford to pay to our creditors was £355 so we first had to pay Bainst & Ernst £355 then I paid £355 to Blair Endersby to use at the meeting of creditors. I thought this was...

Hi Melanie Thanks for your response. The creditors in question are Northern Rock (declined the IVA) and MBNA didnt respond at all. Our IP has said the only option available to us is to try a debt mgt solution. Northern rock were not interested in a higher amount, they just said no to it altogether. ...

Can anyone advise. I recently applied for an IVA and just 1 creditor rejected the proposal. Yes they had the largest amount so it went against us. Can the courts intervine and turn over the vote or am I doomed?