HELP

[losing our heads]

well thats some good news i hardly think 5 pound is a income more offen than not its less than that but it all counts when you have little ones growing there both same sex so save in that sense but not always. does any one think its best to go with big iva companys or to go with sole traders some times the big company say alot of things i personaly dont understand and make you feel like im stupid yet sole traders always seem to take more care in personal details its one thing to talk on the net but another when it comes face to face i alway seem to just burst into tears and cany explain my self very well there for they get frustrated with me when i cant tell them what i need there help for were can i find reviws in iva companys i have always been told to look around but were?

[Lisa2009]

www.iva.com
you will find a list of IPs and reviews

[Lisa2009]

The best advice i can give is to speak to at least 2 or 3 companies, firstly to make sure you are not given conflicting advice and secondly, you have to be comfortable with the company that will be in control of your financial affairs for the next 5 years.


mrs skint

[losing our heads]

thankyou going there now been reading up on other topics very good for some one like me that knows very little about these things thankyou

[Lisa2009]

I'm no expert but i have been in a similar situation with hubbys debts. Thankfully all over and done with now.
You will get there one way or another and as others on here have said, family and health are far more important than money.
You are getting on the right track now though.

mrs skint

[Adam Davies]

Hi
Just to confirm that your paypal account will be fine,it's not credit.
If there is a balance on the account prior to your IVA declare this to your IP
regards

Andy Davie
IVA.co.uk Spokesperson and Website Manager

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

[losing our heads]

hi all i cant believe it our family were fantastic they are willing to wait till iva over if we can get one .with all the will in the world this is what i wanted to hear but after letting them down so many times thought this time they might just give up on us and why not even now being parents its took us till now to realise how bad we are with money it still hurts knowing that they will have to pay for our mistakes till we can. but knowing that there still there for us and the kids means hell of a lot more any way going to get some info on iva companys and talk to finacial adviser and get things shifted maybe this year will be a better a year but not counting my chickens yet.

[Lisa2009]

Fantastic news, things are starting to look brighter already.

mrs skint

[MelanieGiles]

Delighted to hear that news, and do you feel that you would have broached this subject with your family if you did not have the support of this forum? Please answer honestly, as I am just curious to know how much good sites like this actually do give out.

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

[losing our heads]

honestly melanie with out this forum i be completly lost i have spoken to my finacial adviser today who i have to say was not much help just very condeming towards me and still even now trying to steer us away from iva he has advised me to get in touch with citizens advice bureau as its free and said what have we got to lose before approaching an ip which i have just done and given all my details too i thought she was going to fall of her chair they said they will try get back to me with an appointment but have to wait one to two weeks i hopeing for our sakes its sooner. has any one like us been to them before with this amount of debt did they help????

[losing our heads]

hi all do you think i should be opening a new account now in readyness or should i leave it also were are the best ones as i have couple of people who pay me through dd so need to sort this asap yes or no. also need to pay in each week but work till 3 then pick kids up by which time banks close as i live in the hills cant make it to nearest town to bank in time also is it better for me to get my own and hubby have his own for tax man ect. thanks

[Adam Davies]

Hi
Yes,open an account now.The Coop cashminder is good and you can paymoney in at the PO,they are open later than banks.You also get online banking and an electron debit card.
Regards

Andy Davie
IVA.co.uk Spokesperson and Website Manager

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

[losing our heads]

thank you so much andy been waiting for some reply before i get the kids can i open it online this evening also can i open 2 or just one do you think its good advice about cib or should we just of gone looking for iva company thanks for reply do co op have web site

[Adam Davies]

Hi
On the info that you have given I would consult several IVA providers now.
I would apply by phone for a joint account,be sure to ask for the cashminder account.They will ask for income and expenditure details[mortgage/rent/credit cards]
There will need to be a disposible income for it to be accepted
Regards

Andy Davie
IVA.co.uk Spokesperson and Website Manager

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

[losing our heads]

hi i have passed are details onto melanie to see if she can help she has very good reputaion on here and else were dont want it to get to complicated with lots different companies we have had all paper wok out and be cause we have been paying car insuernce and food ect on the credit cards we had not budget for it so now we have broke it down it only leaves us with 301.56 disposable please tell me this is enough to still do iva