Dear all thankyou all so much for your advice.Not logged on for a bit as my lovely dog chewed the lap top charger! Also found him with a lightbulb in his mouth that day too! Anyway today i sent off all my stuff to Vincent Bond feel lots better. Had phone call from ex husband to say that MBNA called ...

Hi all.Been trying to sort all my stuff out for the DMP that Viki is helping me with. Poor Viki I think her ears must be bleeding with me. Just got cold feet and thought about borrowing from peter to pay paul again. Why am i so scared. I ddo worry but am i worrying too much? Im sure the little man w...

Oh and by the way. I stopped the wine and only drink when occasion! So being such a misery hey maybe should start again!

Just like to say thankyou to everyone. The tears are just flowing tonight but its good release. I need to cry cannot do it around the kids not fair. Thanks again x

Thankyou everyone Im just a little sad tonite miss my Dad terriblly as I know he would just drive down and sort stuff and also Mum is in North Wales alone well no thats not true she has my auntie and uncles but she never likes to bother them and well I cannot afford to take time off to go up there a...

What upsets me the most is the deal in my divorce was that I had the family home for the kids and my ex had another property that we were renting out. The house thats 'mine' now was re morgaged and my ex seemed to make a lot of the money disappear so yes I now have the family house but he has the ho...

Thanks Jan x

Thanks VikiI will speak to you tomorrow as I know you are busy. Thanks Melanie for your advice my house is not in negative equity but just zero as I have a large redemption fee

Hi everyone. I had my first credit card " where's my money phone call" only 3 days of cancelled direct debit and never ever missing payment in past! Aren't they lovely people! Hey ho suppose they are just doing their job. Text Viki poor girl and she was great.Its the same with all lenders though don...

Ok I sort of see. Just little confused that he did not know Viki. Sorry but I hope she doesn't mind me saying that she is not known to us newbods when search of the usual 'debt' and possible 'oh ****! how much are my kidneys worth!' but she is very good. This evening I almost feel calm and I can onl...

Hi thankyou everyone for your help and guidance and mostly to you guys who know what Im really going through. David Mond thankyou for offering your services but as you can read I have had, what I feel , the best advice from Viki who I must say exceptional not only in knowledge of the 'system' from h...

Hi and thank you all so much for your support. Since I last posted I spoke to VikiW and she was great gave me some really good advice and it looks like a DMP is best until im able to have an IVA had a little panic this morning but she reassured me all will be ok. I suppose its like i feel im waiting...

HI I RECENTLY WENT ONLINE AND FILLED IN FORM TO SEE IF AN IVA WOULD BE AN OPTION FOR ME IMMEDIATELY AFTER SUBMITTING THE PHONE RANG AND INSTANTLY WAS TOLD ABOUT IVA FELT QUITE RUSHED BUT A BIG ENVELOPE FOR ME TO SIGN WITH MONEY DEBT AND CREDIT WAS SENT.I CALLED THEM AND PANICKED BASICALLY SAYING NOT...