Goldfish are awful. They used to call me at least three times a day. The call centre staff were extremely aggressive and rude. I was completely honest and courteous with them , explaining my circumstances etc, however they didn't care. In the end I refused to take their calls after I told them I had...

thank you all for replying. I really appreciate your advice. I am touched. I am feeling a lot better today. I invited some friends last night, they all bought a couple of bottles of wine and I bought some 'buy 2 for £5' party food for nibbles. We had a wonderful time. I am beginning to find ways to ...

Good Afternoon All. I haven't posted for a while and I apologise for that. My IVA was accepted on the 13th December. I am very pleased and at the same time completeley exhausted. It has been a long road, a struggle to get to this point and now I have 5 years to make sure I concduct my IVA honestly a...

The calls have been relentless, especially from Mbna who called me twice within 5 minutes of each other last night. I am not hiding from my debts, I am facing them head on and up to now I have taken the time to talk to them. The call from Goldfish was the last straw. Thank you once again for your me...

Thank you all so much for replying. I really do appreciate your advice. Apart from trying to fend off another cold I am feeling a lot better knowing I am not alone.

Spreadlove sending love to you all . xx

Good evening all. I am still waiting for my proposal to be put through to my creditors and up to a couple of weeks ago I've only received reminder letters. Recently I've bben receiving phone calls all day and into the evening,(one call at 9pm). I beeen honest and open with my creditors, telling them...

I would advise you contact the Open University. I have been studying a Psychology degree, part time for 6 years with them (one more year to go!!!!) you do get financial support for your fees if you are on a low income.You do not have to pay it back at the end of the course and includes books, CD and...

e.h, your shoppings tips are excellent. I've found a 99p shop,(yes 99p!!) near me, great for cleaning products, paper goods and top quality bath/shower products.At first I was a bit concerned and kept checking the 'use by' dates.I've been going to Aldi/Lidl for a while, no problems with their food.W...

Thank you for your advice Andrew

Hi Skippy13, I've just read your post!!..I am sure it will be sorted on Monday. Methinks it is a case of crossed wires.As far as your concerned you paid it and they shouldn't be hounding you like this. Let us know what the outcome is,it will be good news for sure. SpreadLove sending you extra Love!!

Thank you Andy

Hi LizzieJ, good morning All. I have a massive £160.00 in my Natwest Account, moving my salary to Abbey National tomorrow. Thank you for all your help and encouragement. I will be relieved when everything is sorted, 5 years is a short time when compared to a lfetime of debt.Enjoy the rest of your we...

Thank you Andrew, Good morning all. The thing is I can't even remember asking for payment protection!!. Sonyse2t5 when I spoke to the MBNA and asked them to recalculate my payments they couldn't tell me how much it would be reduced to, if at all..I thought it would be pretty staight forward, you jus...

hello skippy13. Thank you for replying.Natwest is my main worry as I owe them the most money. If the main ceditor is more than 75% of your total debt and they vote in favour of your proposal are the other creditors required to accept?. I have a current account with Natwest at the moment, moving over...

Her name is Dr Helga Dittmar