Please help someone!

[Mr Loadsofbills]

Pentre,

DD is right. Under no circumstances be pushed into any financial arrangement until you are better.

I just can't believe what I just read back there. How disgusting of so called professionals to tell a mentally ill person to get finanacial assistance when they know that this person has stated that they are not mentally well.

Can anyone else see what's wrong here. This is unlawful!

Does anyone remember my posting about "IPs getting the reputation of estate agents"? Well you have sufficient proof here to file a complaint. And it's recorded!

I just can't believe what I just read!

Talk about vultures circling!

Disgusted Mr Loadsofbills

My sig.

Eat the debt. My raison d'etre is to put TIX 'the isolvency exchange' out of business by informing anyone who will listen to take a bankruptcy over an unrealistic IVA proposal.

[MelanieGiles]

I assume that your are referring to advice I have given as you specifically refer to Insolvency Practitioners again.

This poster looked for advice as to whether he would be able to get a mortgage and that is what he has received. What do you suggest and he does given the circumstances, and the fact that he is under severe pressure from unsecured creditors which is quite obviously worsening his health?

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

[neverending]

I totally agree wih Melanie

[thebear29uk]

Mr Loadsofbills

I cant help thinking you have had a really bad experience with an IP and now want to tar them all with the same brush. I do remember your earlier posting and replied at the time that whilst every profession will have baddies there are some hard-working, honest ones who will do their utmost for their client.

Melanie has only been posting on here for 2 months yet she has posted over a thousand replies. I know from personal experience that logging into the site and reading all the latest posts and threads can easily take up an hour of my time without actually replying to most of them as Melanie does.

We need to remember that without the forum experts this site would be somewhere to post details of our personal experiences/nightmares. With the experts it gives us the chance to make informed choices and, hopefully, not look back 2-3 years into the IVA and say "I wish I'd known this from the start.

Now we get to pentre's situation. My understanding is that to be insolvent you have to have no assets and your outgoings are more than your incomings. Pentre has £150000 equity in his property so the advice given was to try and obtain a new mortgage to pay off his unsecured debt. As his current lender will not do this advice was offered that just because they wont do it that doesn't mean nobody will. The advice was appropriate given pentre's circumstances. Nobody asked for any money or suggested an IVA when its not necessary. Advice was sought and given. The "experts" are only expert in their particular field so cannot make pyschiatric assessments of member's health before answering questions they have posted.

I completely agree with you that there is a need for a clampdown on the poor IPs and there are some truly dreadful stories on here of how people have been treated. But Melanie, IVA squirrel, James Falla, Accuma, Oliver, Finebridge etc (apologies if I've missed anybody)all provide a vital service to us and to accuse them of taking advantage of somebody is at the very least harsh.

Pentre DD has offered some excellent advice to you regarding your health. It is important that you speak to somebody about your financial situation too even if its your GP. But the problem will only get bigger if left. I tried to change my mortgage with my current lender but they wouldn't give me what I wanted. Tony Parsons has got me a much better rate and, if you are up to it healthwise, I would suggest you give him a call. It doesn't matter which part of the country you are in as he will come to you. I hope you find a solution to your situation

Best regards

Dave

[Skippy]

Well said Dave. I wish I'd known about this forum when I first considered an IVA. I have been posting on the forum since the night before my creditor's meeting, and reading it a couple of weeks before that and I have seen how much it has grown in that time. We all have different experiences, and because of that we can all offer advice to others.

I know we can all feel negative at times, and I know I have probably come across that way at times, but I do know that IVAs do work for a of people who enter them. If someone has had a good or bad time with an IVA, or with a particular company it is good to hear about, as it could help someone else. However, there is no need to be rude to anyone - that's not what this forum is about.

Pentre, I wish you well with your debts, and especially with your health - that is the most important thing right now. Debt Dummy has offered you very good advice, much better than I ever could. I truly hope that you find the help you need, and please make sure you take your medication. Someone very close to me had a breakdown, and he got through it and is now a happy, settled person. Good luck x

Onwards and upwards!!!
View my blog at: http://skippy13.blogs.iva.co.uk/