Homeowner with a car and van....two kids a dog and a rabbit

Well it's beenfour months since i started my IVA processa and i'm still NOWHERE!!!!!....and to top it all off i've just been told that we may be losing our jobs at work!!!.

Do i carry on with the IVA or just concede to BR???

WOW.....BIG, BIG NEWS :) Well Done, We're waiting to hear about our proposal....we've sent all the paperwork in but it just seems to take so long!!....eventhough it's only been around two weeks, i just can't wait to get things sorted so we can all move on. Wow, sorry to rant!! :) Got a little carrie...

Hi All, I have finally sent all the paperwork to my IP firm, If for whatever reason the IVA was not accepted. How bad is BR?? I've read all sorts of booklets, and looked at all sorts of information, but it would be nice to hear from someone who's actually been through it. I s it true that the OR com...

Thanks Melanie, Hope to speak to you once the paperwork lands on your desk.

Hi again

Just a quick one!!...do i need to send my creditors a copy of my expense form??

Thanks

Thanks for all your support...it really does help knowing i can ask anything and get honest answers..

Hi again, I'm on with sorting the paperwork and will be sending it tommorow to Melanies' team...but just waiting and wondering is so stressfull. Then you think should i just pull the plug, but we've put so much in to this house over the last nine years...our kids and everything else...dunno maybe i ...

Hi evryone....my heads in a spin!! All this thinking about what to do next, and if i do it...is it right?? Just had our first little row about wether it's the best thing to do!! If my wife and i do an interlocking IVA, and it's rejected for whatever reason..can the creditors then make us both bankru...

Hi all, I've just read one of the posts earlier about bonuses. I haven't worked my bonus into my payments as they are few and far between, also depending on how much work i complete the payemnts are always different!!! I'm still at the stage of putting all my paperwork together, and will be sending ...

Hi Cath, do you mind me asking who you turned to??

I'm pretty much settled on mine, just hope i can get all the paperwork togehther.

Starting the ball rolling...putting together all the paperwork for melanies team to look over, After several phone calls to numerous companies i feel thet Melanies team are the one for me. Proffesional, unjudemental advice...looking at every option possible. Hopefully i can get somewhere now. Thanks...

Thanks guys!!... i've been putting this off for the last 12 months, and finally i do feel as though i'm going to get there, it's just a question of who to choose. With so many out there it looks daunting, but being on here makes you feel positive. And as for the charges, yeah your right julie i shou...

Hi and thanks....i'm reckoning on around £350/month....but with debts of £42000, what is the amount the ip should be charging??.
They are charging me £9960 in fees, plus an initial £750 for the paperwork!!

Hi Melanie, I'm just at the proposal stage with a view to signing on monday. I haven't yet agreed anything with the company, but their proposal is to pay in £500/month, which i don't think i can afford. They have got a couple of figures wrong so hopefully this will reduce the overall amount. My debt...