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by Rosepetal
Tue Mar 13, 2012 10:45 am
Forum: Ask IVA Forum and Industry experts
Topic: A question for everyone with an IVA
Replies: 17
Views: 2481

hi kall, what do you mean by "full"? we were told it had to be a basic bank account ie no overdraft etc.
by Rosepetal
Tue Mar 13, 2012 10:42 am
Forum: Ask IVA Forum and Industry experts
Topic: When it rains it pours - Attention Payplan.
Replies: 107
Views: 13032

..... and it goes on!

shocking! keep posting brokebryn.

BUMP
by Rosepetal
Tue Mar 13, 2012 10:36 am
Forum: Ask IVA Forum and Industry experts
Topic: waiting
Replies: 25
Views: 2760

hi, we felt quite down seeing it all in black & white, but it's only by facing it head on that you can get it sorted out.

ostrich mode only allows debt to grow,like a weed.

courage,well done!
by Rosepetal
Tue Mar 13, 2012 10:30 am
Forum: Ask IVA Forum and Industry experts
Topic: Creditors Meeting Today
Replies: 44
Views: 3996

thinking of you both [;)]
by Rosepetal
Tue Mar 13, 2012 10:28 am
Forum: Ask IVA Forum and Industry experts
Topic: my proposal....a question
Replies: 29
Views: 2779

you'll soon get into a budget. having food £ each wk still gives me a buzz!

we save spare shopping £ (if there is any),copper in a roses tin for my little dogs injections & 50p coins for hubby's BIG birthday - a while off yet but planning ahead lol!
by Rosepetal
Tue Mar 13, 2012 10:22 am
Forum: Ask IVA Forum and Industry experts
Topic: A question for everyone with an IVA
Replies: 17
Views: 2481

hi, it is daunting,well done for facing that you need help. take your time,read up.

take care who you go with. we decided on Melanie Giles, McCambridge also have v good feedback.

have you got a new bank account set ready away from creditors? it must be a "basic" account.

post ?'s,you're not alone.
by Rosepetal
Mon Mar 12, 2012 11:59 am
Forum: Ask IVA Forum and Industry experts
Topic: When it rains it pours - Attention Payplan.
Replies: 107
Views: 13032

Michael, great post, i hope Payplan are reading this.
by Rosepetal
Mon Mar 12, 2012 11:28 am
Forum: Ask IVA Forum and Industry experts
Topic: Hi, i have my creditors meeting on Monday, really nervous
Replies: 25
Views: 3128

thinking of you both,not sure what time your meetings are??
by Rosepetal
Mon Mar 12, 2012 11:24 am
Forum: Ask IVA Forum and Industry experts
Topic: waiting
Replies: 25
Views: 2760

you're well on the way, i remember this stage so well. it's v sobering to see it all in print.

take care to read,read,read. any ?'s ask your ip.

patience isn't my stong point either!
by Rosepetal
Mon Mar 12, 2012 11:16 am
Forum: Ask IVA Forum and Industry experts
Topic: When it rains it pours - Attention Payplan.
Replies: 107
Views: 13032

my heart goes out to you, the stress/distress must be dreadful. i echo,i would not encourage anyone to use Payplan after this. completly see that the Payplan staff who've posted may not be making these decisions,if that is the case i'm sure they will be upset about this too. there is very little i c...
by Rosepetal
Sun Mar 11, 2012 9:16 pm
Forum: Ask IVA Forum and Industry experts
Topic: When it rains it pours - Attention Payplan.
Replies: 107
Views: 13032

yes i agree kall, having experts posting is brilliant,they give up so much free time.

i also see that those posting may not be responsible for every issue personally.

brokebryn doesn't seem any wiser at the moment[:(].
by Rosepetal
Sun Mar 11, 2012 9:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: Debt putting me off starting a family
Replies: 8
Views: 1532

agree, go for it! we take it for granted that we'll be able to have children,it doesn't always happen quickly.

my brother & his wife have been trying for years.
by Rosepetal
Sun Mar 11, 2012 8:54 pm
Forum: Ask IVA Forum and Industry experts
Topic: A question for Ryan the Mortgage Broker
Replies: 49
Views: 5849

gives us hope too, i'm desperate to be in a bungalow.
by Rosepetal
Sun Mar 11, 2012 8:51 pm
Forum: Ask IVA Forum and Industry experts
Topic: When it rains it pours - Attention Payplan.
Replies: 107
Views: 13032

fully take your point kall,the experts who post do a sterling job, but that doesn't excuse Payplan (at managment level) for not sorting this.

the worry/stress must be dreadful.
by Rosepetal
Sun Mar 11, 2012 5:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: When it rains it pours - Attention Payplan.
Replies: 107
Views: 13032

PAYPLAN, BUMP!
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