Hi Teeters, I made that call a couple of weeks ago (spoke to Tina) I found the whole thing quite emotional, which really surprised me, but think it was sheer relief at making the first move to sorting things out. It took me a few days to digest it all, but I feel so much better. The phone still ring...

Thanks for that. I could do the surveys..anything that helps towards Christmas would be welcome. Can you suggest any good online companies?

I've recently opened a Co-op Cashminder Account over the phone in 10 minutes. I was very pleased that it was so straightforward when everything else isn't when you're in debt! I can confirm that you can use the post office for over the counter banking, which gives more options as the Co-op don't hav...

Our weekly shopping bill is currently around £140 for 5. I'm trying to cut this back by searching out offers/shopping at the end of the day etc.. If I do manage to cut it back and therefore was able to put £20 per week in savings for birthdays/xmas (3 children), would my food allowance be cut at the...

Ok thanks, that's something we could look at doing. Also, how do you prove that you've spent the money on satellite rather than hobbies etc.? I can't get my head round how much you can juggle - i.e take from one allowance to help with another? Sorry if this is the wrong thread for these questions! Lou

Hi Jan

Just wondered on the Sky TV point whether they allow you just the basic package or any extras? Like you, it's our only luxury. We're just starting out on the IVA road and I hope we can keep what we subscribe to.
Thanks

Hi, yes I've spoken to IVA Advice Bureau (Mel's team) and I'm getting together the required paperwork at the mo. They're aware of our self employed status, but tax write offs haven't been mentioned..yet. I was just wondering whether any of you regular posters knew anything, as I'm learning all the t...

Hi, recently saw a posting by Mel about self employed people not realising that write offs may affect them in later years. As we are both self employed and may include HMRC in the IVA proposal I need to know more...can anyone help?!
Thanks
Lou

Thanks for the welcome and the info. I dream about the time when the phone doesn't constantly ring from morning until night...role on that day!

Hi, first post on the forum, but have been reading for weeks. Found it such a helpful and reassuring place to be. I finally made the call to Mel's team last week. I'm currently in the early stages of information gathering and feeling quite sick but hopeful all at the same time! Me and hubby both sel...