wow have you seen the typical APR 37%

youd be better off getting a good bike !

Hi guys thanx for your answers ;) IP did advise NR would prob go for 6 years !! but now im having other thoughts.... The original dividend proposed for 5 year iva was 35p/£1.... im not sure what it would be with the extra year! I know the word Bankrupt seems scary.... but is it really that bad ??? i...

Hi ive just had a creditors meeting today and my main creditor Northern Rock has accepted but on the condition it is extended to 72 months.... all others have agreed.... but my question to you is... should i accept or go for bankruptcy ?? i live in a housing association place and have no other asset...

Hi Kerri Thanx for your points.... I dont have anything of value that anyone can take really... I think i will go and speak to the citizens advice bureau with my partner and see what they suggest.... maybe a council house could be an option for a while also as we would be classed as homeless and pre...

Hi Lily I have absolutely no idea what to do as yet, all i know is i need to do something as soon robbing peter to pay paul is going to run out of funds! You know at the moment eveything is tight and that is paying out £1200 monthly to various credit people.... at the mo i got a water bill/council t...

Hi Melanie Thanx for the quick reply At the moment we earn net of £2900.00 a month I estimate £1500 a month would cover rent/basic costs/food etc So when my partner takes materinty pay (433.88 per month) i estimate we would have between 200 - 300 a month to offer creditors, which leaves about £200 a...

Hello I have just found this site whilst looking for an IVA company to be open on a Sunday..... I have enjoyed the reading very much so far! good to know i am not alone... A brief overview of my debts Ohhh dear i have just worked out about £30K.... wow !! i have got 2 loans and numerous credit cards...