thank you so much for all your replies, kallis3, andy,marky and melanie. Now, I know, what to do now, Melanie,I will be calling you, hopefully this Thursday for your suggestion which DMP company can you recommend. Let me know, again, thank you so much for being so helpful. Hopefully, all this phone ...

hi, we were on the stage of drafting an IVA proposal for me and my husband, unfortunately, my husband loss his job. We have an unsecured debt of around £54k between us and we got no property at all. Initially, it should be around £386 but now he lost his job, our outgoings are higher than incomings....

thank you kabby3. keep fingers and leg crossed, hopefully all be going to be ok.

thank you kallis3,busybee and ronald for your comments. will keep everyone updated on my iVA process.

hi, just to update everyone,I contacted melanie giles company and spoke to Tina. She is very understanding, helpful,sympathetic and very thorough. she explain everything about IVA and answer my questions.i feel so much better. she always answer emails promptly. I have now submitted all the details s...

hi, I haven't got any income and life insurance. I am planning to go for IVA.I am the breadwinner for this family,I got a 11 months old baby. My husband was laid off twice in 2 years and working as a carer for his sister. His income is not regular, mine is. As an NHS nurse for nearly 10 years, i thi...

hi, i got a call from coop bank and thank God, my basic current account was approved. so yesterday, I sent an enquiry form to melanie giles, and david mond.I am just awaiting for reply. Initially, me and my husband would like to do things separately, but because he's only got 11k worth of credit car...

I went to Coop bank and tried to open a basic current account but I was referred.The lady will ring me once a decision has been made. If not succesful, I will just open a basic cashminder account as have been advised in these forum. I just need to find other ways of paying bills aside from issuing c...

THANK YOU VERY MUCH FOR ALL YOUR ADVICE, YES, THIS IS THE FIRST TIME THAT I MISSED A PAYMENT/MADE PAYMENT LESS THAN MINIMUM.WE DON'T OWN A HOUSE.I GOT AN APPOINTMENT TO OPEN A COOP BANK ACCOUNT TODAY.WHAT WILL I DO WITH MY NATWEST LOAN?IT COMES OUT STRAIGHT ON EVERY 1ST OF THE MONTH, AND I GET PAID ...

hi, everybody. I am new here and wouyld like to ask for an advice.i have an unsecured debt of 42K. I got a stable job,but my husband was been made redundant twice since 2007 and I ended up shouldering all the expenses, and I used my credit cards and loans for our living expenses then I had a baby. I...