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by rjm
Mon Apr 16, 2007 11:35 am
Forum: IVA postbag for april
Topic: at the edge of doing something silly. I need help
Replies: 19
Views: 2476

I do understand what you are saying Lily, and I am grateful for the advice. I owe to more than I creditor... 8 to be honest, and just paying the minimum to each leaves me broke. With the bank, I only have one creditor, and one payment. I know that the level of debt will increase as they charge inter...
by rjm
Sun Apr 15, 2007 9:08 pm
Forum: IVA postbag for april
Topic: at the edge of doing something silly. I need help
Replies: 19
Views: 2476

The advisor at the bank said it would be much better for me not to declare BR. He said it will have such a negative effect in years to come, and he said that so long as I am trying to get a job and I will be working there is another alternative to BR.
by rjm
Sun Apr 15, 2007 12:12 pm
Forum: IVA postbag for april
Topic: at the edge of doing something silly. I need help
Replies: 19
Views: 2476

Thanks for all you advice. I'm feeling slightly more optimistic today as I've spoken to someone from a debt advice line. If I am going to declare BR then it's only costing £63.00 apparently that is all I have to pay at the Sheriff Court (i'm in Scotland - not sure if that is why it's so cheap). I al...
by rjm
Fri Apr 13, 2007 1:06 pm
Forum: IVA postbag for april
Topic: at the edge of doing something silly. I need help
Replies: 19
Views: 2476

I don't even know where or who to tur to for help. I had a job paying £25k a year, and they also gave me a 3 bed house and paid all my bills. It was an amazing position, and I had a life to do things I could afford and I didn't worry about the debts I had as I knew I would be able to pay it back now...
by rjm
Fri Apr 13, 2007 7:30 am
Forum: IVA postbag for april
Topic: at the edge of doing something silly. I need help
Replies: 19
Views: 2476

I lost my job on 5th January 2007. I have been to numerous interviews and have had no success. I'm almost completely out of money and I owe about £18,000. By next month, I will be completely broke. I don't own a house, or anything that I can sell. I'm back living with my parents, and I'm almost at t...
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