Thank you - I have arranged to meet with my sister and a friend tomorrow to go through things in more detail - he has some experience in finance etc. My last sentence should have read that I am panicking and feel like I am back to square one. I am now panicking that BR may be the only option for me and if I have equity in my house, I will be forced to sell it. I cant believe I am even typing this, how did I get in such a mess and allow my mums security to be at risk in her later years. Sorry for negative post after feeling a bit more upbeat a few days ago, it just feels like I am running out of options fast.
Not yet no, I have been trying to get some time on my own to do it, its really difficult as am at home this week, with my mum. I feel like all my options are sliding away fast.
Try and make room for the call. You`ll be surprised how friendly Melanie is, and importantly will be able to outline your options and put your mind at rest. She`ll more than understand if you need to put the phone down in a hurry.
I know it`s difficult making that first call but believe me it`s very reassuring speaking to a professional who can help. You`ll wish you did it earlier !
Last edited by Hyperdrive on Mon Mar 11, 2013 4:07 pm, edited 1 time in total.
honestly its not that bad! Mel phoned me at work initially but it was a very quick call just to arrange a more suitable time even that 2 mins put my mind at rest a bit! It willmake you feel calmer and Mel is so accomadating she will speak to you in eves too maybe even after your mum goes to bed?
please try and give melanie or some other iva company a ring, they will give you great advice which should put your mind at ease!!! a phone call doesn't mean u are obliged to do an iva it will just give you some answers. the first phone call is always the hardest [8D]
Not sure if I should start a new post, but would prefer to carry on with this one if ok with everyone? Let me know if I should put do something differently, I am new to this and brain still scrambled.
Credit scores - why do they differ? I checked my credit score with one company a few months ago and it came out as fair, however I have just checked it with Equifax and it has come out as much better, not excellent but not far off? I am so confused. I checked that they had all my creditors listed, which they do, including my mortgage, and the report says my report is good because I haven't defaulted on any of my payments, plus I did managed to settle a few - (very very small catalogue bills). Help...
No need to start new post if you prefer not to. We're easy going and can answer as many questions as we can.
As for the credit reference agencies, Im not sure to be hoenst as it's only just now I've looked at call credit/noddle so I'm not too familiar with these.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
Thanks Lesley, I will try Noddle too and see what it comes out as. My credit score isn't great now by any means, still under what is supposed to be the acceptable level, I just thought it would be a lot lower than the score showed. I think I need to check it again, they must have missed something. Am meeting with my sister again tomorrow to go through final options and then we make the big decision - although cant see any other options available to me other than an IVA. I still have so many questions and things running around in my mind and I am doing something I never normally do - panic. God knows what I will be like if an IVA is recommended to me and I then have to wait for the creditors meeting.
Denise - we take no notice of credit scores when we are advising prospective clients. If you can demonstrate that you cannot repay your debts as they fall due, then you are insolvent and need to address that matter - generally by seeking professional advice.
Can I suggest that you make that call sooner rather than later. You will then feel less isolated and alone - and have a hotline for all of those questions you may be bursting to ask.
not been on here for a few days. Have sought out advice from different companies including a charitable company and they are all telling me different things which is just making me feel worse. Some tell me I have too much equity in my house to take out an IVA and because I am making the minimum payments every month I am not insolvent. Others are telling me to ignore this advice and that I can def still take out an IVA regardless. I am now so confused. Melanie, I have sent an online request to you for info. Why does there seem to be so much confusing and different advice. This is making what is a very stressful situation ten times worse
I really think you should ring Melanie, she will fully explain any options to you. I would do this sooner rather than later as I felt once the first stap had been taken things suddenly got much easier.
PJG Recovery have a free online advice channel at www.debtadvicetv.com. If you are ready to ask us for specific advice or help, then get in touch at www.pjgrecovery.com/contact-us.asp . I look forward to speaking to you.
