thanks mel be in touch soon
kerrie

Thankyou emma.
thats made me feel a little easier

I rang accuma about my debt and they sent me to a company were i dealt with the debt myself SOMETHING LIKE NATIONAL DEBT LINE and i rang b& k directly and they did a proposal with me that is why i went with them and i was refered by a friend.ive never applied for a iva before
KERRIE

No one will no me on here,ive used a different usermame to my normal.
so im not that worried.
thanks all

xxx to all of you you that have helped ,i will rind melanie tomos and will let you all know.
thanks again.
kerrie

How do i get proof that these exist?
Family debs
God i hope this site is confidential!!

I knew that the charging order would not be included.and knew that family would not be included too.
the other debt that are not included in the dmp, choice was to keep us afloat with xmas and school uniforms etc
kerrie
it looks pretty glim for me then

approx 52,450 that ive worked out and its alot.
and ive no idea how to get out of this mess
my mum in law does no know and my husband feels he cannot tell them
they lent us money for our car and brother lent me 6000 to start my business that did not take off.
kerrie

Including family brother in law.£6000 mum in law £6000 hsc £6000 but with interest £9000 and they have just took me to court cause they were not happy with there payment from b&k and they managed to get it secured to the property if we sell but there is no equity AMX £7000 mbna £4000 natwest £2100 s...

ah thankyou vik.thats kind of you iwill call her tomorrow or email and get thing under way.
i cant say that im not nervous cause i am but hey when im nervous theres nothing to worry about normally so thats a good sign.
kerrie

thankyou i will consider all the information and will speak to melanie,because in weiry of some of the companys. also i have a northern rock mortgage and a unsecured loan with them but i think it is classed as a together loan. im not behind with anything and i hav a dmp with b&k but dont want to be ...

thankyou all for your kind replys im welcome to any advise given.
Is melanie on the website i do i find her.

Hello all, ive been paying on a dmp for about a year now an would like to know or speak to melanie about an iva because im wanting to get my debt clear asap but im worried that an iva will put up payments that we cannot afford and ive read about this on this site. please can someone advise me asap t...

size5 my husband works and we have enough just to scrape by and also pay byron and keeley so i see no need to go for bankcrupsey if i had to do this at a point then i would but im not going to jeopodise my kids stability. also i have a dog to consider and as a former estate agent and lettings negoti...

hi to all, not been on for a while as i have finally had my long awaited back operation after being told i could not have it, it went very well and feeling a little better my question is that im useing byrom and keely and they have done a fiancial staement for me when i started with them and they ar...