Ah thanks guys[:D] I will really try to make it to Manchester to meet up Skippy[:D] Wow Jan, I will not recognise you[:0] Chardonay, it is so hard to keep on top of the forum these days as it is sooo busy. It was totaly different when I first joined as there were a lot less posts and I could keep up...

Hi there The credit card company WOULD NOT be able to take money from your parents by them writing a cheque for you, but if it makes you feel better pay in cash using the payment slip in a bank or get a postal order. Have you informed the company that you are going to make a token payment only? Good...

Hi Jan

I will try to come to the meeting in July as it would be good to catch up with everyone again, who is confirmed so far?

Hope you are well and whats your loss at now?
Must be loads by now[;)]

[:D] Hi all my lovely forum friends, I have been a bit absent lately, but still having a read in the backgound when I have had time. So much has happened lately family wise and it has all taken its toll on me to be honest and I have not had room for the forum. I am back as have missed it loads[;)] M...

[:D][:D][:D][:D] How funny Ray! My dog has taken to lying down in a big swampy, muddy puddle at every walk and needs to be showered when he gets home[:0] As my bathroom is tiled in mostly white tiles and the bath is white and floor tiles a light colour, it is a massive job and I get as wet as him[:I...

Well Done[:D]

It must be amazing to be at that stage of your iva and literally counting down the months[:D]

You must also feel a great sense of achievement and satisfaction also and I can't wait to get to that stage and feel the same[8D]

Emma

Hi Samantha and welcome to the forum[:)] You are correct to be reading your doccuments carefully and make sure you understand everything before you do sign as it is a commitment and you don't want anything to go wrong. I am not sure of this clause, but we have many professional IP's who post on the ...

Hi Helen and welcome to the forum Do they not understand that your husband needs a car to work to be able to fund the iva payments? I think it would be best to have a chat with your IP (Insolvency Practitioner) rather than your iva manager to see if they can do anything to help - maybe a payment bre...

Hi Christine and a big welcome to the forum[:)] What a horrible situation for you and I understand why you feel really upset. I presume you are in a Debt Management Plan? You need to contact your DMP company as soon as possible and find out what is going on. The downside to being in a DMP is that cr...

Hi Hara

That is lovely to read your positive news as it has been a long, hard process for you[:)]

Really pleased for you
Best wishes
Emma x

Hi Skip, hope you are kwwping well[:)] I sometimes take minutes of a meeting and have no experience of shorthand at all. As long as you have the main points of the meeting and what was discussed and who is supposed to action any changes and by when. it really is not difficult at all and as long as y...

Hi FD I was wondering where you were[:D] I have not posted much at all lately as work is mad and I have too much to do and not enough time to do it in[:0] Glad you are ok and no one would ever tell you to push off, you are too nice for that[:D] Hope alls well with you and you are getting along nicel...

I saw a worrying advert in the back of a newspaper today, can't remmber the company but it was advising on iva's and stated they could give an immediate decision over the phone. I know they will be meaning it will be a decision on if they can help, but the way it is worded and the way it looks in pr...

Oh Pap, they will just be blanket calling people and as so many people are affected by debt they must find that a good marketing tool. Please don't worry, you really could not be in better hands with Mel & her team and you have all the forum members for support. i felt like such a faliure for a long...

Great News, nearly there now[:D]

Stay strong and positive and we are all here to support you[:D]