Pretending to send you official court documents is a very harsh way of dealing with things isn't it, Is there any way to find out if I do have an actual CCJ, Northern Rock have also recently said if they don't recieve my monthly payment they will send an attachment of Earnings to my employer, would ...

Hi Melanie,

Yes Northern Rock are my Biggest Creditor and to be honest I do not know why CCCS Suggested a DMP rather than an IVA, Sorry

In reply to Melanies question no I am not a property owner I still live with my parents

Hi Catullus, It's quite confusing really, at the time I was burying my head in the sand and I didn't really want to accept how much of a problem that I had got my self into, and after reading a few posts on here I am not sure if it was an official CCJ that I have recieved, this may sound silly but I...

Hi all, I have been reading everones recent posts with regards to Northern Rock and them preferring DMP'S rather that IVA's, I tried to come to an agreement last year with all my creditors to pay them via a DMP which I was organising with the help of CCCS, all of my creditors agreed to the DMP apart...

I spoke to the CCS Yesterday and they said that I could ring my creditors and ask them for a final settlement figure and explain to them what is happening but they did say not to pay anything until the creditor sends me the figure that they are willing to accept in writing, Do you think that it woul...

Andy,

Why do you think that it will bedifficult to get all of my creditors to agree, Surely this way would be more beneficial to them than either an IVA or Bankruptcy and also please can someone explain to me what a Full & Final IVA is as I have never heard of this.

I am currently in communication with a company with regards to setting up an IVA, I am around £18,000 in debt to about 12 creditors and most of my debts are quite advance (They have been pased onto Debt Collectors etc) I have only just this week plucked up the courage to admit to my parents just how...