www.iva.co.uk

Posted: **Fri Oct 03, 2008 9:46 pm**

Hi all

This might sound a strange thing to say but it's good to be back here. 12 months ago I was here looking for help with my debts. At teh time I thought I could deal with it myself and so embarked on talking with my creditors directly and came to an agreement with. All was working fin until earlier this year my dad died and without going into detail it knocked me sideways. As a result finances took less of a priority and I now find myself falling behind on payments. Not because I can't pay them but because my mind has been in a different place and so I haven't kept up the payments. As a result I am now being threatened with a CCJ by two of my creditors. After a long hard look I have decided that I need help with thiEspecially after sitting down and suddenly realising that if I did carry with my arrangement then it would take me almost 20 years to pay it off!!!
Anyway i am here now and have learnt my lesson. I will be making plans to speak with a couple of companies but have two questions.
1. The CCJ's haven't started yet and I haven't even received the solicitors letters. How do Igo about sorting these out?
2. I currently have a debit card bank account with Lloyds that I opoend just over 12 months ago in anticipation of my previous bank freezing my account, which they did. I do not have any debt with the LTSB Group. Am I able to keep this account going or will I need to inform them of what I am doing?

Sorry for the long post!!

Posted: **Fri Oct 03, 2008 10:06 pm**

Hey d.cg, I'm so sorry to hear about your loss. This must all be awful for you, don't worry we're all here for you.

If you have no debts with LTSB then you will be ok to keep your account. If you contact an insolvency practitioner as soon as possible then it may be possible to stop the ccj.

There will be a solution, you just need all of your options discussed with you. Have a look at www.iva.com and read the reviews of IPs on there, speak to couple before you choose anyone and see what advice they give.

I'm sure the technical experts will be along shortly to help you, hang in there. X

Posted: **Fri Oct 03, 2008 10:18 pm**

Hi d.cg
You need to have a chat with an expert as soon as posible.
If you are successful with an IVA then this will overide any CCJ
Regards

Posted: **Fri Oct 03, 2008 11:06 pm**

Thanks both for your responses. WOW this really is the place where people don't sleep!! I had help before and, foolishly, thought I could do it on my own. Lesson here for anyone new is take a deep breath and look at where you are. It's a long road, but not a lonely one. It feels good to be back here, with so much support and I feel foolish for being so stupid [:o)]. But thisis the start. Onwards and upwards!!!

Posted: **Fri Oct 03, 2008 11:23 pm**

Onwards and upwards indeed. You've not been stupid, you just need a little bit of help now. Talk to an IP and please keep posting. X

Posted: **Fri Oct 03, 2008 11:25 pm**

You will feel the weight lift from your shoulders as soon as you chat with an IP and get a plan in action.
Dont feel foolish, most on the forum have been where you are right now and soon the feelings of shame vanish.

Good luck

Posted: **Sun Oct 05, 2008 6:12 pm**

The great thing for any IP instructed to act for you, is that you are a fighter, and have tried your best to deal with your creditors. That sort of commitment to a repayment plan ought to set you in good stead for a very successful IVA - if that is the route you eventually decide to take.

Posted: **Mon Oct 06, 2008 9:48 am**

Thanks for your kind words Melanie. Hopefully people will read my comments and realise that there is help out there and to listen to the experts. Whilst they give slightly differing views sometimes they are all going in the same way. Like I said it's good to be back

Posted: **Mon Oct 06, 2008 4:25 pm**

Well I've put my call into an IP and currently playing the time honoured game of telephone tennis! One small step for man......

Posted: **Mon Oct 06, 2008 4:29 pm**

That's the first important step taken.

Good luck with the rest and keep us informed.

Posted: **Mon Oct 06, 2008 8:52 pm**

Really sorry for the loss of your Father, just really wanted to say that to you. I know what its like to lose a parent when youre kind of on your knees already because of debt.

I really hope youre feeling better and are well on your way to sorting something out.

Good luck, thinking of you.

Posted: **Tue Oct 07, 2008 9:39 am**

Hi Lily, thanks for your support. There are so many unselfish people on here who want to help despite their own problems. Also helps to puts things into perspective!

Posted: **Tue Oct 07, 2008 2:21 pm**

If the IP does not ring you back try another. You want immediate action and good service. Visit www.iva.com again

Posted: **Tue Oct 07, 2008 2:39 pm**

Hi David, has been sorted now thanks. Just a case of we kept missing each other!!