Hi In my experience, robbing peter to pay paul is never a good idea. What happens when a major purchase comes up, or something breaks? Its all going to go on credit and things will get worse. Plus, the amount of time it will take you to pay your debts off will be huge. An IVA will afford you the cha...

Hi All I read this forum everyday but feel guilty that i dont post so often, so i thought i would give you all an update on my circumstances so far, and welcome any comments you might have. My IP is just collating all my figures ready for a proposal. My situation is a bit compliocated i think as i h...

Hi All Just waiting for my proposal to come from my IP which could be a little while. In the meantime, only one of my creditors is chasing which is nice, however, they are ringing every 2 days! I speak to them when i can, so it's not like i am avoiding them, and they "update their system" everytime....

Tina
Thanks for your concern - several people have checked with me recently that things are still ok. It's not a very common name, so got a few people quite worried.
Just shows how bad things can get for some people - thoughts are with all their family right now.

Sorry, Melanie Giles and team - not sure where that came from

This is most bizarre - not only are we a name match, but i am just starting on the road to an IVA. My experience so far is that it can be very strassful just collating the information, but thankfully, Melissa Giles and team are very helpful. How sad that the guy took this sad route. How important to...

Hi We have just found ou that we are expecting our 2nd child - total shock as not planned. When my wife finishes her maternity leave which would be next year, she will be unable to return to work as she will have a 3 yr old and new baby to look after with no one to help out. So it will be my wage on...