I know and it was all going so well : ( well the OR said he cannot do anything more than say to them again that he authorises this to come out - what A&L are concerned about is that the account isn't stable - i.e. I could have paid for something that hasn't yet come through, the woman I spoke to (th...

Hi guys thanks so much again! I have phoned them today and they have accepted me - the guy actually laughed when he said I had passed the credit check... card etc on its way hurrah a bit of good news in a day of trying to deal with Alliance and Leicster. Had a nightmare with them. Called this mornin...

Are they affiliated anywhere? i.e. if I wanted to pay money in over the counter can I do this? you mentioned a paying in book ... oh I am so tired of debt and panic why can't I win the lottery!

Thanks so much - I like the idea that they seperate out all the bills etc so you know what are spending (even though this does make me feel as if I am living at home with my parents again) but its a good idea - just filled out the form and will see what they say -just worried about getting my wages ...

I think that is my mind made up then! I can't bear the thought of having to trawl through the high street banks to be told no you are not worthy! is the 25.00 added onto your account for the set up fee? I don't have a bank card that i can use at the moment obviously! and can you take money out of an...

Hi
How long does it take to open? need one really quickly as i need a place to get my wages paid in! and how do you check your balance? am on a budget obviously so that is important thanks for your advice!

Hi All Sorry I have been a bit quiet yesterday seem to be ever manic at work and can't find the time with a teething baby in the evening. So Alliance and Leicester have frozen my account, the OR said no problem I will fax them the money in there is mine (don't owe it to them and its a basic no frill...

Lily As one of the most supportive members on this post, I feel so bad for you, don't know what has happened, but all I can think is that you are having one of those crappy I have no money days, remember this you WILL NOT ALWAYS BE IN THIS POSITION. You will one day be able to look back at this time...

Hi Andy WELL DONE another hurdle over with now?! I am glad that you were prepared, as I said its the best advice you could give to anyone in our position. I think Andy D, that it depends on the level of debt you are in as to whether you come in for an interview face to face or not - that is what my ...

Mike, Just remember that you can and will get through this, these must feel like the darkest days for you right now but there is light at the end of the tunnel and everyone on here is here to help, advise or simply just to support you! its just the first step, which you have taken, into realisation ...

Hi there From what I was told by my OR when I was made BR the usual form is, is that they contact your mortgage lender to gauge what your mortgage stands at etc. They then either do a valuation where you get someone inside the house i.e. a local estate agent who has good working knowledge of the are...

Thanks! I know all that stress and what was it for! I do think and this could be helpful to others that it is really good to be overprepared especially re loans and what you have spent the money on - also good to have an explanation handy I said birth of baby, move from a good job to a less well pai...

You would think they would be quicker especially with any IPA payments that you might have to make! I am still reeling from my meeting today - looking at the figures I wonder how i carried on paying the debts off for as long as I did and how stupid I was to think that i could pay an IVA, I look at t...

Thanks Katy and Pippa thanks for the help and support along the way - can't say that I am not relieved that the OR interview is out of the way - Katy did they not accept the one that you had at the interview? you should call them back although they do run pretty slowly ...

I don't but I think it might be under the other bit where it says if IVA won't work for you - hopefully Jane will log on later and she can tell you herself it all sounded awful for her which goes back to my original post the outcome of the OR interview is sometimes dependent on teh nature of the OR ...