Im speaking to Andy Davie @ Vincent Bond he seems real nice. and thanks a lot guys, i genuinelly appreciate your kind words and taking time out to respond to my queries. I'm looking at a DMP so we'll see. Ive submitted my income expenditure/budget to Andy, also already sent him my creditors, there a...

melanie, what would your professional opinion be to do next?

thanks

I understand Nick, no worries. So Vincent Bond are good right?

I'll try and pursue something with them!

regards

I have contacted payplan again to get a referall onto a DMP for the time being and see what i can do in the next 6months.

ill await their reply.

I have two accounts one with co-operative and one with hsbc. if i filed for bankcruptcy, theyd both be frozen!?

i dont know how it would work with the official reciever etc.

soooo annoyed, i really feel worse than i did when i began!

what companys do good dmp

Who should i set up the DMP with?

Thanks

Looking back at my previous message, Payplan have come back to me. my IVA has failed for additional borrowing outside arrangement from the payday lender - so obviously honesty didn't help me AT ALL. I need help, advice and what would u suggest the best way forward will be for the future?. Perhaps ba...

Mate that is a real shame. The richest get ahead in life stepping on others toes and not always being honest... food for thought, no?

I too, assumed total transparency would be a good way forward, clearly not. oh well if it comes to bankcruptcy it does. doh

Hi guys, just to check - when proposing a repayment option to the payday lender, should I just offer what i can realistically afford over however many months? i know cccs guidelines say just offer £1 a month but to me thats like slapping them in the face :) also, should they decline and continue add...

id set up a payment plan and have to be tight for 4 months. if they can't be reasonable ill have to setup a payment plan with whoever they pass the debt onto.

ideally i don't wish any thing to fail because i havent defaulted or missed 2 / 3 payments. i hope they can there can be a positive resolution

I dont have any assets but that said im starting a new job, how do they calculate the three yearly payment? also its the embarassment really. my parents don't even know about my IVA...

could i begin another IVA if this one failed?

ahhh i don't know.

i sent this FYI copy of loan agreement which is in fact £750.00. taking out to cover MOT/tax renewal and insurance renewal costs, as well as general living expenses, mobile phone etc. As i am beginning new employment i will have sufficient funds to maintain my IVA payments with you as of the end of ...

Well i just spoke with payplan, they have asked me for proof that i havent been working so ill send them a photocopy of my sign on doc. they asked how i was going to be paying the new loan off i said i would come to an arrangement to pay it back over 4 - 5 months as a payment plan. i then explained ...

I was late on a payment before but always paid it up, and that was it. I live at home with parents, but when you're out of work its still a big burden. i had tax, insurance renewal all to pay at the beginning of july and MOT which luckily all passed. :\ hmm i dont know whats going to be the best way...