please help just been on the phone for over hour

[tanya.r]

please help i have just been on the phone 4 over a hour talkin to a iva expert from debt free direct whom i couldnt hear very well to start with i have debt of about 27000 this includes interest my payment is 194 for the first 5 months then up to 258 thereafter which the 194 sounded perfect the thing is my mum runs a catalogue of which i have a account and owe 1500 pound to but has this chap was explainin my mum would recieve threatening letters and might even get into trouble if i include this in an iva which i have been awake most of night worrying about cos i dont want my mum gettin into trouble for it also i was advised to cut my electric and coal down
how am i supposed to do this when we need these to live i have also got to put my daughters on sandwiches at school instead of dinners i am seriously thinkin twice about goin through with the iva i am just so stressed i am now bein physically sick any advice would be good at this low moment of time

[Lisa2009]

tanya hi, if you are not yet in an IVA and are just generally making enquiries with DFD then i would suggest speaking to 2 or 3 other companies to make sure you are being given the best possible sollution for you.
You can find a list of IPs and reviews on www.iva.com.

mrs skint

[anfieldbabe]

they have all my paperwork tho does this matter and do you know any good ones

[Lisa2009]

Im sure they would send all your paperwork back if you decided not to proceed with them.
Melanie Giles who posts on this forum is an IP and comes very very highly recomended. She is very honest, fair and upfront.

mrs skint

[anfieldbabe]

i have spoken on the phone and gone thru everything with them can i still change my mind and go with someone else and if so will they send my documents back to me payslips bank statements etc

[Lisa2009]

Has a creditors meeting been set? If not, i dont see any reason why you couldnt get your paperwork back.
However, beware a lot of IPs dont like putting forward proposals where your disposable income is less that £200

mrs skint

[anfieldbabe]

how do i get in touch with melanie i am new on forum today and will dfd still charge me fees and no nothin has been set up yet i have just gone through figures and evrything up to yet i have 3 children but how do they expect me to cut electric and coal down when i need these things

[Phil]

http://www.melaniegiles.com/

p

[debbiw]

Hi anfieldbabe, Melanie Giles is highly recommended on this forum. If i were going through it all again, i would defo go with her.

[cr15py]

I agree with debbi and the other posters. Whilst I have no complaints with the IP I am with, from what I read on here Melanie and her team are held in extremely high regard on this forum. The issue may arise with debts held in other person's name, because ultimately the debt belongs to your Mum rathet than you.

Hope everything works out OK for you. [:)]

PS - I assume the anfield bit relates to Liverpool FC, if so - good choice of football team! [:D]

[Skippy]

I would definitely recommend Melanie as well - she has had a lot of positive feedback on the forum.

I can't agree with Chris about the choice of footy team however...

Seriously, good luck, there is a solution for you, and I would say that if you're not happy with DFD look elsewhere. 5 years is a long time, and if you're not comfortable with the company from the start you will find the IVA even harder.

[debbiw]

Cr15py - I agree with Skippy about the football team, it's got to be Chelsea all the way !!!

[anfieldbabe]

oiiiiiiiiiiii its the reds all the way liverpool that is

[Skippy]

The only Reds worth talking about are the ones from Manchester!

[cr15py]

Well said anfield!!! There is only one red team worth talking about full stop, and that's the one anfield mentions, where I shall be off in April thanks to my parents buying me a ticket for the match!! [:)]