Just keeping you posted - thankfully we have not had a visit. Relieved to say the least!

I am currently having to use the on-screen keyboard as my 2yr old decided to vandalise our laptop, now a whole section of keys doesn't work! I can type fairly quick so this is painstaking!!

My partner was just wondering how many laptops you must go through in a year..!!

Thanks Melanie, I am completely blown over by the help and guidance you and others are providing here - and so rapidly. I just hope that after we have been through this process and hopefully succeeded, we too can share our knowledge and experience with others in our position. Thank you!

Hi my partner will be working away soon and he will be getting non-taxable subsistence, would he be expected to give 50% of this up to the IVA, despite needing it to cover his costs while working away from home. Thanks once again in advance!

As the majority of you have said, it instills fear, which is wrong. I shall see what (or who) tomorrow brings!!

We approached hsbc our mortgage company to ask if we could have a payment break so we could attempt to get on top of our other finances - to say they were unhelpful would be an understatement! We were offered a payment break when we took out the mortgage but we didn't take it as we didn't need it, b...

What a grim job to have - thought mine was bad - health & safety - no-one is ever happy to see you, but these people surely can't enjoy it??

Good idea, I should have thought that myself after opening the door to the postman this morning who left the parcel on the door step and scurried away rather quickly, then I reaised my little boy had been stood behind me - he is quite a frightening sight poor thing!!

That put a smile on my face Michael Peoples! The card does say they will visit. As I am not yet in an IVA and don't have much ammunition I will hide away cowardly i think!

Thanks I feel a lot better now and as you said can carry on concentrating on my little one! I still can't believe this is really happening though at times, it seems surreal, but then we have our health and each other so things could be a lot worse, we can count ourselves lucky in many respects,just ...

Thanks Jan, I'm probably overeacting, it's just I've missed payments before, but always managed to handle it some how and haven't ever had anyone come knocking so it scared me a bit. Thanks for replying, your always there to help, thanks!

I have had a card from Aegis today saying they are calling round to my house Saturday between 8am and 9pm - this is on behalf of MBNA! Called DFD who advised me not to answer the door or let them in and they have no right to enter as they haven't been through the courts etc. In this case what do the...

If at the creditors meeting the majority vote no, does this mean our only options would then be bankruptcy or DMP? Is there still potential (and are you allowed) to apply again, perhaps with another company or would that be a waste of time, effort and resources?

I know everyone says here don't feel ashamed, but we do - we come from backgrounds where our families have paid their way and pretty much frowned at credit and those in debt, viewing it I suppose as greedy rather than living in your means. My partner's parents have never had a mortgage as they inher...