HELP

[Adam Davies]

Hi
Yes it is
Your in safe hands with Melanie
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]

thanks andy we have done account with co op are we aloud to put pennys in it before hand or will they take it off us when we do iva? or should we just sit tight also do we need to get settlement figures of the two loan we have to find out how much we owe or again will ip do this thanks for all your response.

[Soulgrowth]

Just wanted to say how great it is to see things starting to get sorted out for you [:)]

Keep up the great work ... and stay in touch with the Form as we will all be rooting for you [:)]

Debbie

www.familyceremonies.co.uk

www.soulgrowth.co.uk

[Adam Davies]

Hi
Your IP will write to each company and ask them to confirm the debt.Personal loan debts will include the whole outstanding payments and can be far more than you actually borrowed.
There is no problem putting money into the new Co-op account,your IP will need to know your balances but as long as the money is for normal day to day living expenses then it will be fine.
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]

thats great thanks andy we have no spare cash at min i just talkind maybe couple pounds every couple weeks or what ever we can get to put in that all.thanks again still waiting for cab but melanie said she will get to us next week so thats great relief knowing we will have someone to explain what we need to do and what are options are,again thankyou so much for all the response

[suzz]

Hi just catching up with the postings I'm very glad that your family meeting went very well for you, regarding CAB we didn't find them very helpful (more of a feeling of being critisized) might have been the person we spoken too though, we bank with the co-op and they are okay, i find the on-line banking a great help, Melanie is a great help also. This site is great for helping with the various people that have/are going through a simular situation and will help to answer your queries.
Keep your chin-up and keep posting.

Suzz

[losing our heads]

hiya suzz im hanging on at min not heard any thing from cab but to be honest wasent expecting too so soon its hard not knowing what to do melanie has our details and will be sorting something out this week as to what we should do she the only one i seem to have confidence in right now as she tells it as it is and does not mince her words which is what i need right now feel like i am hovering waiting for instructions thanks for replying ive been on every day and night just reading constantly to try and understand how things work.

[debbiw]

Hi Losing our heads, Just wanted to say, hang in there, things will seem much brighter soon. We all know what you are going through, and will be here for you when you need to talk x

[losing our heads]

thank you im trying i understand every one concerned is doing there best to help us.just feel like a odd part like i should be doing something contant worry for me at min is my girls to ensure there clothed and fed and happy not wanting them to see the worry thats in the house.i have family which are being fantastic at the min but they fly off on there hols on sat and as selfish as it is all i can think of is can we make the right decistions with out them here?

[losing our heads]

progress some thing to look forward to a phone call tonight from melanies team thank god .

[losing our heads]

well we are in process of sorting details out for melanie team thanks god we have progress hopefully be on the move with it once recieved pack and things cant say im looking forward to it but i know iva is the best way forward.

[aguise]

Hi there
At least you have a way forward now. I have no doubt that Melanie will do her very best for you. All the best

Ang

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

[losing our heads]

i know cant tell you how relieved i am knowing that in couple months i will be able to sleep and buy my food and petrol with cash from my budget rather than using a card as i needed to pay bills and cards with cash its such a horrible circle robbing peter to pay paul.

[aguise]

I remember it well. Telling hubby to wait a couple of dasys for petrol. It is nice once you settle into using cash and knowing there are no bills which you cant afford to pay or you see the balance has not reduced from the last month due to interest.

Ang

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

[losing our heads]

update have sent my details and all other things needed that melanies team need gutted yesterday got letter to say mortgage has gone up by £60 so i have every thing crossed now hoping we can still do a iva other wise i think it might be the other root hope not?
got my new details for coop bank too so were moving forward slowly but surely.