refused by black horse

[MelanieGiles]

Lisa - phone Brightoak as soon as you can to set your mind at rest. They are very sympathetic and will sort you out quickly I am sure.

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

[sps]

Hi Lisa
Sorry to hear your news I can imagine how you feel but we are all here for you. You have had lots of good advice above, I too would try the company that Melanie suggests. If Black Horse do ring and you don't want to speak to them then don't - tell them it's not convenient for you to speak to them at the moment and you will contact them when it is and hang up. Hope you have a better day today and do not call yourself a failure it's just a difficult time in your life that will get sorted out. Take care
Sue

[tracy.h]

Hi Lisa
I hope you are ok?I would give the company Melanie suggested a call,please post let us know how you are doing.

Tracy

[jamesfalla]

Lisa

Having read all the comments on this post, please will you remind me if you have a property or if you and your husband are renting?

If you are renting, then I think by far your best solution now is bankruptcy. You owe £19,500 and even if you pay £280 per month and 100% of this goes to your creditors and no further interest is charged (not guaranteed), then its going to take 70 months (nearly 6 years) to repay your debt. You will be strugling to make ends meet all the way.

With bankruoptcy, you will be discharged in 12 months and will only have to pay for 3 years. I am certain that you will pay less each month as well as the courts seem to be less harsh than creditors when it comes to monthly payments

James Falla

Expert in IVA, Bankruptcy and informal Debt Management solutions for over 10 years.

For more information visit www.jamesfalla.com and visit my blog at: http://jamesfalla.blogs.iva.co.uk

[lisa]

sorry not been about much these past few day to asnswer your question james we rent,,, but bankruspsy isnt an option as husband a hotel manager, for a company working with another woman manager and in the future he has chance to work in his own hotel just him and me as assisnatnt manager..... in view to one day seting up in gran canaria, our dream ( prob all it ever be ) if we go BR then this wil be taken from us. and i dont want any 1 finding out we are in debt either no one nos this, we have given eveyrthign we need to to payplan and hope that thing get moving soon she said they be back in touch in about 5 days, had no phone calls or mail which is worrying, we prob just get up one morning to a mass of court apearances. i give PP a few days and if no futher on im gona get in touch with every 1 myself and ask them to do a dmp or even via cab..... tc everyone lisaxxxx

[tracy.h]

Hi Lisa
really sorry bout your iva when mine failed it was different circumstances to yours i contacted my creditors and am paying them all what i can afford.
Ive been quite lucky as they have frozen interest for the next 6 months ,but dont necessecerely do this,its only really until i start the iva process again. i would advise if you are doing an DMP then go through a company as they will deal with your creditors and normaly manage to get interest frozen it will save you all the stress of continuous phone calls,and give you one monthly payment,at least you will be paying your debt back even if it does take longer,and if creditors do continue to hassle you then you can refer them on to the company representing you,it will be better than trying to deal with it all on your own.But you can always contact cccs a charity based organisation that do not charge for DMP,if you do not hear back from pp,i should think they will be in touch though.
Good luck Lisa keep posting let us know how you are getting on.

Tracy