www.iva.co.uk

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't you think? They so nice when the money flows then any deviation from account you get a completely different talk. I will ask Vikki in morn but if you declare bankrupt do they take your home even though there is no equity in it?

Hi there and welcome to the forum

Viki will deal with this for you I am sure - and if she is helping you with a bankruptcy application, your home is not at risk if it is in negative equity, but you will need to carry on paying the mortgage payments.

Hey Lisa, the creditor calls are a pain, they aren't polite are they?! I'll chat to you again tomorrow but I am free now if you want to text me, I'll call you back. (sorry admin)

Lisa the calls are a pain, and they will try to bully you into making payments.

Just tell them that you can't and don't listen to any threats they make. The people who call are call centre staff nothing more and the threats are empty ones.

Viki will sort you out though and put your mind at rest.

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

Thanks Jan x

Pleasure, Lisa.

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 house that I paid the huge deposit for and paid fpr the decor well just everything and he's living in his nice batchelor flat whilst the tennantpays the morgage and on variable morgage my ex is pocketing 300 a month. All the way through the marriage I dished the cash from first date. Being from north wales and brought up to "pay your b***** way" by my dad and "earn your keep" so I did pay my way unfortunayely Iwas with someone who saw this as I would pay for all. Dad died year before last but I know he would be reeling now with my situation.My mum has ca breast for second time around and she to well would basically be ashamed if I told her of the mess im in so really trying not to show my desperation over the phone to her as she stil so poorly.Sorry this is not a sob story but a situation that im only to blame for for not using my head.At the end of the day I just want to stay in this house pay my morgage which I have always done and love my kids.

Lisa I am sorry to hear of your problems, you really have had a rough time.

Don't worry about pouring your heart out on here, we all know where you are coming from and will give you the support and help you need. If it makes you feel better, then that's good.

You are in good hands with Viki and she has lived through debt herself so knows all about it.

I hope your mum recovers as well.

I completely concur about Viki. She has been through some rough times herself, and will provide you with much help and support through this process.

Please don't despair. From what you have already posted - I think your house is as safe as houses (sorry couldn't resist that one!).

Lisa, you have had a terrible time, we'll work through this together, and you have everyone on the forum here to support you.

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 and stay for a while my company are so strict and a lot of my leave is taken when looking after kids whan they are ill. Sorry all im a miserable baggage tonight! anyway think ill go for a bath things always look better in the morning

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

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

Lisa, I tried the "wine will cure all" diet, it doesn't work! You're doing great, whenever you feel lonely or upset, get on here or the friends forum and we'll cheer you up.[:)]