please can someone advise me asap

[kerrie2]

I knew that the charging order would not be included.and knew that family would not be included too.
the other debt that are not included in the dmp, choice was to keep us afloat with xmas and school uniforms etc
kerrie
it looks pretty glim for me then

[kerrie2]

How do i get proof that these exist?
Family debs
God i hope this site is confidential!!

[indebtforever]

dont give up yet let melanie work her powers you might be pleasantly surprised and i hope so [:)]

[Viki.W]

Kerrie, don't worry, there will be a way forward. I have family debt and it is included in the IVA. Good luck, get on the phone tomorrow and let us know how it goes. X

[Viki.W]

Kerrie, you might want to remove your name from your profile, if you're worried. X

[kerrie2]

xxx to all of you you that have helped ,i will rind melanie tomos and will let you all know.
thanks again.
kerrie

[kerrie2]

No one will no me on here,ive used a different usermame to my normal.
so im not that worried.
thanks all

[size5]

My concern for you is that you are with B&K, which is the DMP arm of Accuma. B&K do not market directly, so it stands to reason that Accuma have already rejected an IVA as unfeasible in your case.

That does not in itself rule out an IVA, especially if your circumstances are different now, but you would not have been put forward for DMP if an IVA was in any way viable. At the very worst you would have gone to creditors meeting, failed, and then been proposed for DMP.

Regards.

[kerrie2]

I rang accuma about my debt and they sent me to a company were i dealt with the debt myself SOMETHING LIKE NATIONAL DEBT LINE and i rang b& k directly and they did a proposal with me that is why i went with them and i was refered by a friend.ive never applied for a iva before
KERRIE

[emma_t]

Good luck with the call Kerrie

I opted for an iva over a dmp as a dmp would have taken so long to pay off even if the creditors froze all interest which seems unlikely and I like the protection you have in an iva.
i like you was worried I would not be able to manage but I am 10 payments in with no problems and recieved (and continue to recieve) a first class faultless service from Melanie and her team. She would not advise anything that was unrealistic and I completely trusted the advice I was given.

Would the family debts wait until after your iva concludes to be paid as I think I have read it can be difficult to get creditors to agree to have family debts included in an iva, but I could be completely wrong so wait for an expert to clarify,

Good luck
Emma

[kerrie2]

Thankyou emma.
thats made me feel a little easier

[MelanieGiles]

Kerry

Sorry I have not been ignoring your posts - I am in my Belfast office for a couple of days and my e-mail has not been working very well over here! We'll be happy to tale to you about your circumstnaces, and the options currently available to you.

[kerrie2]

thanks mel be in touch soon
kerrie