Thank you for all your messages really helped. I have sinse been to the CAB and they have clarified everything for me. Im sure i will have more questions at some point. Thanks again. x Credit buying is much like being drunk. The buzz happens immediately, and it gives you a lift. The hangover comes t...

Thanks for your help, 8) sorry may of confused you on this one i put can in stead of cant. What i mean is i cant expect my parents to pay for everyhthing so what will the OR thing is an exceptable amount to give them for rent?? Will they expect family to do it for free? 6) We brought the car with ou...

Hi my partner and i have finally decided to go BR but we have loads of questions first. Any help would be great. 1) What is the full BR process? As in you fill the forms out and submit them, then..... What happens after you have been to your court date, is it down to the OR then? 2) Does the OR give...

How ever much i need, after i sell my house and pay some debts off i will have about 60k left. if i can get that down to 35K or 40K they will pay that. I will speak to an IP. Is Melanie Giles one? or does she just do IVA's?

i am selling the property and moving back in with my parents so i can pay it all back quicker. Should i just approach 1 or 2 creditors and see if they agree first. I thought you could only offer a full and final if you have missed loads of payments? If they did a credit check on me they would see ho...

Home owner with about 13500 equity. and 65K debt. But the rest of the money will be put up by my parents. If we had a full and final settlement would they still want a monthly payment too??

Another question!!lol

If i did debt management, do they freeze all intrest until its all paid off??

I would like to offer a full and final settlement figure to all my creditors and was wnderig if anyone could answer the following? I owe NR £21K do you think they would agree to a full and final? How much is reasonable amount to offer (% wise) Can i only do a full and final if ive missed loads of pa...

Ok, soo update, i have a plan (not all my plans work which is why im in this mess but any advise on this would be really appriciated, im sure its too good to be true. House has been valued at 175K, mortgage of 142K, 25K Secured loan, 5500K as a penalty for paying off debt early. so 175K - 142K = 33K...

But eveyone will find out about it and i dont want that, i work in Finance where BR on my credit history wont be very good. Im 24 and am going to have to declare myself BR, im so ashamed!!!!

Thanks Melanie,

I will speak to Tina in the morning, she was a great help today and will speak to her first thing. Thanks for all the advice on here, just finding it difficult to see through it all at the mo. Will talk everything through tomorrow with Tina. Thanks once again for all the support. xx

We need to be £400 better off a month, mortgage at mo is £730 and there is no way of us renting for 400 a month, we have a dog and its difficult. Ive been speaking with Tina today think she may of spoke to you about me last thing tonight but i cant coap with all this stress, i cant sleep and really ...

Am on the point of breaking, havent slept in weeks, am scared of what is going to happen to me, my family are going to disowen me and thats evan worse than being BR. My health is deteriating and am concidering bad things!!! I dont no what to do?? I cant do IVA, may not be able to do DMP as dont have...

Spoke to Melanies assistant today and after doing loads of figures have discovered we cant do IVA as we dont have enough disposable income, (iforgot to include the £400 we have to pay for our secured loan!!!) Therefore been recommended Debt Management. Or the other option is BR. Im so scared i dont ...

Thank you for all your posts you have all really helped. I have contacted Melanies company and am in the process of seeing if she can help me. Thanks once again. will keep you all updated. xx