Melanie I need some advice already!! Also I thought you weren't working today-do you never rest?! I have been onto a few companies re my endowment policies and very few companies seem to be buying at the moment. The AXA one is too small to interest anyone certianly si its surrender value is only aro...

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I would just like to say a very big thankyou to this forum for getting me on the road to sorting out my debts. An especially big thankyou to Melanie Giles and Tina who have both been extremely patient and given sound, unbiased advice. I woud recommend either without hesitation.

Yes That's fine. Thanks.

Yes that would be great I'd really appreciate that. I think Tina has my numbers still.Or the forum has my E mail and we could arrange a mutually convenient time to speak

Do you think I would be best speaking to Vincent Bond about all this as I know Tina is passing on my details to them

I have just phoned the companies I have the Endowments with to get a surrender value, one which is Prudential has a surrender value of £13 175 and the other which is with AXA is £4818. Our mortgage is part endowment £30 000 so I also phoned our mortgage company which is Northern Rock and they said I...

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No, you have been discussing my case with Tina from your office. We did have an IVA, long story. You and Tina recommended a DMP so we are going ahead with this once our details have been passed on. We want to surrender the endowments to give us a start

Hi I have decided to sell two endowments to free up some money, they each have 6 yrs to run and are not going to cover our mortage as we intended. We have changed the mortgage to repayment. Does anyone know the best way to sell endowments? Have looked on the internet but there are so many companies ...

We have had the same situation with the same company and can really sympathise. We are transferring our IVA to another company if we can

We have spoken to the COO of Relax Corporation (current owners of Synergi) and he has kindly offered to look into your case for you. Please confirm that you are happy for us to pass on your name and email? Thanks, IVA.co.uk Admin Team Hi Thanks for this, I would be grateful if you could pass on my ...

Hi I've posted on here before about a company called Synergi who was supposed to have arranged an IVA for us in 2007. We made 6 payments at their request BEFORE the IVA was arranged, the IVA was supposedly arranged in August and the 6 payments were to cover the 1st 6 months. Since then we have heard...

Is there a web site that shows the government guidelines on living expenses? Would be interested to see it.

Thanks to everyone who has replied. Skippy can I just ask is your IVA only for 3 years? I thought they lasted 5?

[quote] Originally posted by andydavie Hi An insolvency practitioner will probably take your case on with no upfront fee, check out IPs on www.iva.com. You need to act quickly Regards I've clicked on a few but only on the 'a' letters is there any way to search for IPs in our area-Liverpool? When you...

You can have the bankruptcy hearing suspended if you use an Insolvency Practitioner. This will enable a proposal to be put to creditors but there is no guarantee that it would be accepted. The other issues although important are not the concern of the creditor who is making you bankrupt but a judge...