As I read your words I am starting to feel better,really,i could try to earn more money and not to give up the fight. In few hours here among you I got very good informations,I will try to cope with this myself,I am sure you know better what should I do in this situation because I lost my mind a bit...

thanks Melanie,i am not sure everyone can understand my English.. Originally from Slovakia or Slovak Republic to be correct:-) I came to NI 2-3 years ago to start new better life but i made stupid mistakes that i took loans,we had some plans with girlfriend /this is reason why i bought better car/ b...

Hi Melanie. You gave me a lot of useful informations,thanks. I just would like to correct the detail that I have three creditors - Abbey,Ulster Bank and third is subject I got credit for a car but can't remember the name,i am searching my documents at the moment to find the Contract/Agreement. Only ...

Thank you so much, you are first people which i can ask about IVA and debt problems,I don't have any local friend here in NI who could explain me these things..
I don't take any other credit,i trust you know what you talk about.

Thanks for this forum

Thank you aquise - I agree with you that taking another loan will take even deeper in debts, I am thinking about to sell my car as soon as possible and pay off all my late payment and maybe would be better to pay off all outstanding credit to Ulster Bank.. Debt management plan is i think too hard,I'...

I fond on some website information that Northern Ireland residents can not apply for IVA. Is this information correct?

gimmewine - Thank you for welcome. Here are some details: 1. I owe 15500 including payment protection insurance to Abbey - monthly pamyent of 265 I took 8000 on Unsecured Personal Loan ,have to repay 16100 2. I owe 1600 to my Ulster Bank -I took 3000 on Unsecured Personal Loan,monthly pament 162 3. ...

I am 32 year old EU national male,living and working in Northern Ireland,working full time,paid by recruitment agency - earning 300 a week,i am in debt of around 25 000 pounds,unsecured loans and credit cards,i am not homeowner. Now i got to situation i am late with payments.. getting deeper and dee...