HELP

[mish1953]

[:D]
Happy Birthday & Happy Hogmanay


Our thoughts are with you, and here's hoping 2008 is a better year for you.

Slainte ( Good health )
Mish - the Scotsman


Will an automatic discharge hurt.

[Soulgrowth]

Hope you have a wonderful birthday ... and new year ... put the worries to one side for a bit ... at least you have some targets on the horizon now [:)]

Debbie

www.familyceremonies.co.uk

www.soulgrowth.co.uk

[aguise]

Happy Birthday and happy New year from me too.A better year ahead I am sure.

Ang

Please visit my blog at http://aguise.blogs.iva.co.uk/

[emma_t]

Hope you are having a very Happy Birthday and a happy, healthy 2008
[:)]
Emma x

[Martin2011]

Good luck on Wednesday, it'll certainly help to have family on board, and once you've secured a decent IVA you can start 2008 on the road to a future free from debt.

belated best wishes for your birthday and Happy New Year...

Martin

[losing our heads]

I am totally blown away and stunned by the help and support this site gives thank you all x x x

[Lisa2009]

Most of us have been or still are in similar situations to you so we can understand the desperation you feel. You will always get honest answers and a sympathetic ear from this forum, no matter how many questions you ask.
Hope you had a lovely birthday.

mrs skint

[losing our heads]

well my birthday was ok had the hubby ands kids so they mean more right now yes there is desperation in our house and fear of what lies a head but anything got to be better than the last few months . i woke up this mornihg thinking just one day at a time trying to put brave face on and not spill everything onto the children and family that have not been in this situation before is extremly hard when all you want is a talk or shoulder to cry on. i have tryed to put figures on paper today although that i find very hard its got to be done getting ready for the storm tomoro but its all in black and white ready for them to see the only way forward is to try for iva.does any one know what iva will want of me in the way of proof of earning i have it all written down in ingoings book but do i need to get statements from bank before they take my accounts. kind regards to all

[MelanieGiles]

An IP will need to see copies of your most recent payslips, details of any benefits you are entitled to, bank statements, creditor statemets of acccount and loan agreemenets your mortgage or rental statement, and a property valuation if you are a property owner. Depending upon your circumstances there amy well be other information required, so do take specific advice on this point.

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

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

[Soulgrowth]

It really does help to be able to write everything down as it helps to sort the wood out from the trees [:)]

You really making some steps in the right direction ... and we are always here for help and support.

Debbie

www.familyceremonies.co.uk

www.soulgrowth.co.uk

[losing our heads]

well i can get most of the statments/working families/child benifit ect there all in files dont know about valuation with house will look into that if they need it on paper i think it costs i dont have payslip as i have only been self employed since augest so i have not yet done/payed a tax return but have been paying ni through the bank will have to dicuss this with an ip thanks melanie and debbie i am sure to be on tomo night if any thing to talk to someone that understands the hell were going through.

[Lisa2009]

Keep your chin up. Good luck with the family chat (you may be surprised)
Please keep us all posted, we are all here even if all we have to offer is a sympathetic ear.

mrs skint

[losing our heads]

hi again just been reading another post i buy my daughters there clothes from ebay and sell them when they no longer fit to get money to get new do i have to give up my paypal account or can i still buy clothes for girls i know the jist of things that i can no longer have any cards or bank accounts but does the above count as one of these i am starting to get fearfull of this iva i get my girls school shoes and clothes from ebay and been thinking about cars i use mine for work and so does hubby were do i find the money for tax mot services will the ips help us to budget for these things as well as food and normal living i dont go hairdressers ect i cut hubbys and girls to save money but the girls have to have school clothes ect

[Kiska]

hi, i think ur paypal acc will be closed, the iva will allow you to budget for these things in your monthly payment.

[Lisa2009]

Lots of people in IVAs use ebay for buying clothes and selling them back. There is no problem with this providing they are only small ammounts you are making. Any large ammounts would be classed as income.
Hope this helps

mrs skint