Hi Jan, not not at the moment, just getting all the paperwork together to send to Melanie on Monday. thanks for the reply.

what would happen if I barred the number as this is getting silly now, would this jepodise my IVA proposal?

Had the day off for valuer to come round and one of my creditors has called on the mobile 15 times and 5 times at home. I was starting to feel intimidated and spoke to my Angie my IP with Melanie Giles Co, so reassuring feel much better now.

Thank you to all your replies, what about the mortgage do you have to change to interest and will you inform them I am in an a IVA and how will that affect me?

can you please explain what the difference is in both options, do you tell them you want a forced sale or maybe not? Also do you have to inform the mortgage company/secured loan etc, and do you have to change from a repayment to interest only even if you have enough DI between the two of you to meet...

Thanks Mel, we are fine, everything individual, hes calm now, shouldnt laugh really hes gone to get a cool compress (just kidding) glad I still have my sense of humour at the moment.

Jan, thank you so much, he has just come downstairs hyperventillating, yes its just me. Going to take Melanies advise and get him a glass of wine before he passes out.

I am in the process of going the IVA route, I have opened a cashminder account with the co-op, waiting for them to send all the relevant documentation, account number etc, I have been online and cancelled all my DD and what funds were left transferred over to my partners account. My partner is conce...

Its New Years Eve and what am I doing, yes you guessed it trawling through the forum and digesting lots of information, its become a quest now [:)] Happy New Year Everyone, lets hope that 2010 will be a much better one

Hi everyone just going down the route of IVA, Melanie and her team sent all the info out yesterday, cancelled all the DD opened a cashminder account, moving very fast :) my partner brilliant, its me thats going to be in IVA, we are in the process of getting statements, settlment figures etc, felt li...

well, what can I say, approved card should be here within 7 days easiest phone call ever.

Hi everyone, can you please tell me how long it takes to open a cashminder account. Thanks

very helpful going to send all the information over for us to read, really scared, but health is suffering, OH being supportive to a point, went through everything, going to see if this is the route to go, tbh dont see another way out. Anyone else felt like this, all replies welcome. Not spoken to a...

went online and applied for an account to the co-op, declined, after checking through application i didnt apply for the cashminder account, feel really silly now, will i still be able to apply for this. Thank yiou

I have a credit card with egg. The have terminated the card and I am repaying the card until the balance clears. Should they have freezed the interest its at a whopping 21% so out of the £200 per month im paying, only 75 pounds actually gets taken off the debt, any advise would be welcome. Thank you