Thanks guys, you never know with these things and Skippy, any experience good or bad can benefit others.
Don't forget you are coming out the other side

THE ONLY WAY IS UP

forgot to add, it was their free banking account

THE ONLY WAY IS UP

Hi I changed mine to Alliance & Leicester. My credit score must have been quite poor at this point but I didn't have any OD or Loan facilities on there. If you have a personal account that is still safe you could use that but you would have to be very good at keeping accounts seperate THE ONLY WAY I...

Hi all

just checking...........had a call from Alison at Thomas Charles to see if I would become a member of their media panel. There is no usual TC stuff on the e-mail that was sent, just seeing if it's cocha

THE ONLY WAY IS UP

Congratulations!!!!!!!!!!!!!!!

THE ONLY WAY IS UP

congratulations!!!!!!!!!!!!!!!!

THE ONLY WAY IS UP

I would get on to the council, sort yourself out and put yourself 1st. You would probably find you will be paying less in rent if you do as well.

Hi Roger,

Unforseeable changes in circumstances can usually be sorted by your IP at a variation meeting or a total change in how you repay your debt(if you repay your debt and not resort to bankruptcy), but you must not make changes yourself that would have a detramental affect on your IVA payments

I agree, that is the 1st i've heard about smoking as an expense!!

Hi sp a

That would depend on the level of debt you have, how many creditors and whether it is a temporary gliche or an ongoing problem, post more details so an expert can advise properly

that would depend on who your creditors are, and when the credit was taken.

The normal acceptance rate is 25P upwards, if you have HSBC, Northern Rock as a creditor their minimum is 40P

Hi Shelbert

I was waiting for my creditors meeting for about 3 months and was only just starting to get default notices

I think the best thing would be to speak to your IP as soon as you can to see what course of action to take and any consequenses, if any

well done to you too wyn! [8D]

Hi cmj

you will need to post details, income, necessary outgoings, how many creditors etc then an expert can advise