Hi Winter_blue I an just in the process of applying for an IVA but have began to put wheels in motion to help with the budgeting, with regards to meals and shopping, I have began to prepare a meal plan for the week ahead, we all sit down with one of my cook books ( which I bought with regards cheap,...

Hi Nikkitoffe,
Go on, a chance to get your own back ! Name & Shame, I know I would. Lots of people read this forum and would like to know who to avoid as well as who recommend.

Hi I am new to the forum but can totally relate to where you are coming from, 2 years ago we lost our business and our home, can't tell you how low I was at that time, we kept the creditors off our backs by entering into a DMP but we knew that that wasn't the answer as we owed too much money, howeve...

Rosepetal
So glad you posted, I have been thinking about you today and when I couldn't see anything from you began to fear the worst.
Congratulations, so glad it went well for you.

Hi All Just thought I would let you know how we went on yesterday. We met with Andy Platt who works for Tony Fisher at debtfocus. I had better explain a bit more before I begin. We had met with Tony Fisher (IP) previously when we initially lost our business and our house, we were introduced to him b...

Wishing you all the luck in the world, I know you feel so much better this time tomorrow, stay positive. X

Kat68 I have just joined as well and I know how you are feeling,I know people say 'it's good to talk' but sometimes you have to be careful 'who' you talk too, I viewed this sit many many times before taking the plunge but after many sleepless nights and consistently hiding in corners to have a good ...

Thanks for the quick response, that really means a lot. The company that keep ringing me at work were Mercers, they said that they were acting on behalf of Barclaycard. I have been in touch with a company called Debtfocus in wigan and am due to see them today but I can't find any information about t...

After viewing this site many many times thought I would take the plunge and join in. We were paying our debts via a DMP and were advised that due to the loss of our business and then our home we were advised by them to declare ourselves bankrupt, they made it sound so simple I thought that was the w...