help advice needed

[lisa]

omg thing are gettign worse for us,
payplan have sotred out our stuff and they recon we have 67.22 left over at mths end, what they are sugesting is they are sending us copys of income expendture ect, and a covering letter for us to send to debtor along with a good will payment of £1 each just so as they no we are wanting to start payments, my worry now is 67 between 12 creditors.... it just dont work, before iva was refused Black horse alone wanted £80...... shes said that due to some legal stuff, they cant make us pay out of our means, what i worry about is that DFD sadi we we ok at 200n per mth, but they work to diferant guide lines i been told and they need to make sure they get there cut each mth.... im seem to be banging my head against a wallim so scared, another thing is wat about court and solisiters that are gona happen now..... another thing that really worrying BH havnt been in contact since the IVa was refused......
do u think its best to go ahead with wat PP say or try n sort this our self the worry there is one companty gona ask for more than another then it goes on n on and we back doing the 2 week shop on 50 which is wat we were doing, any advice, please i no im not surposed to b on here now but dont no where to turn lisa

[MelanieGiles]

Hi again Lisa

In my personal opinion, and of course there are other forum experts who may advise you differently, I think that you really need to sit down and work out your own income and expenditure summary based upon your actual earnings and what you actually spend. If you get your bank statements out, recent shopping and petrol bills, just to see where your money is going to - that would be a good start.

Given that you are a little worried about the situation, and your creditors, I feel that you are better being professionally represented rather than going it alone. Sometimes there is peace of mind in knowing that someone is dealing with this for you, and taking the worry away. But of course there is a cost to that, which will come out of your payments leaving less to return to creditors and therefore a longer repayment period.

Given your very low disposable income, have you also considered bankruptcy proceedings as an alternative?

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

[aguise]

Lisa you are supposed to be on here, you dont have to have an iva, it is for support just as much, and if you need to talk then we are all her for that too.

Ang x

[tracy.h]

Hi Lisa
You are welcome to post as often as you like,as Ang said you dont need to be in an iva.
This forum is for anyone who wants advise support or jst needs to chat especaily if you are feeling down.
I myself am not in an iva and would be at a loss if i didnt post.
Please keep posting xx

[freelili]

Lisa

I am not in an IVA either and I felt like that I didnt belong here, but dont worry about it they havent kicked me off. Just under nine months ago my IVA journey started and I am still trying to sort my debts out. You will get there, hopefully soon. Its a good place for support and to offer support to others who feel the same as you did/do.

Good luck


LILY

fly me up to where you are beyong the distant star, I will wish upon tonight, to see you smile, only for a while, to know youre there, a breath away is not too far, to where you are.

[admin]

Hi Lisa,
We're delighted to welcome you to the forum [:)]
please do keep posting!
best regards, admin

[scaredkez]

i am not in an iva either i went bankrupt in april, i tried the iva route and can offer help on my experiences throught it, this forum is for anyone who is in debt or who is struggling financially, we are all here to support one another, so you are most welcome.


Please view my blog at: http://scaredkez.blogs.iva.co.uk/

[Skippy]

Please keep posting Lisa. I'm not in an IVA as I went bankrupt in March and I was worried that I would be kicked off, but I now no that my experiences might be able to help someone else, and the same goes for you. I would be lost without the others on this forum!

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/