Hi Melanie; Many thanks for replying, I have sent through my details to you so that you can see an accurate picture of my position. I was concerned that Northern Rock would be difficult to pursuade. If an IVA was not an option and I went to the hearing, would they allow mw to continue on a DMP but a...

Thanks OW!! Its reassuring to hear that there are people with similar problems to me out there. Sometimes you feel as though you are absolutely trapped and if I lose my home it will have lots of negative effects on my life. I was really pleased to find this site and I think I may have found it in th...

Hi Melanie;

If an IVA is possible, I would definitely use your organisation as IP if we could move quickly and get an interim order. If this is possible how could we proceed. I could even apply to the court to postpone the final hearing as it has already been postponed twice.

Regards

Micky

Hi Melanie and many thanks for the advice; I would like to set up an IVA prior to the hearing on 31st May 2pm. Is this possible as Payplan are currently useless and not working quickly enough. They are even failing to pay some of my creditors. The breakdown of my debts are: Northern Rock Unsecured L...

Hello; I feel totally trapped at the mo - I currently have £80k in various unsecured loans (6 creditors) and at the moment I am dealing with Payplan. I have one company Northern Rock who have an interim charging order on my property, which I own jointly with my partner. All of the debts are in my na...