Been going down IVA route for a couple of weeks, need to remortgage to get the mortgage payment lowered, got mortgage in principal offer. All ok, mortgage guy needs £345.00 up front which I don't have and won't have until I get paid, this is my first week of not paying creditors to date everyone is ...

We applied online for a Natwest account, paperwork came we sent it back and then nothing this was around 3 weeks ago, so I'm assuming we're not getting it! Rang Coop Monday evening, they said yes within a couple of mins, not received anything yet but suspecting that's the postal strike holding thing...

Thank you I'm feeling much more rational now! I have my dark moments and my family have just been around and for some reason they've lifted my spirits even though they do not know of our problems. This forum is my godsend, I read it everyday, don't always post but I'm reading in the background. My p...

I am sick with worry re my debts, I am on the road to proposing an IVA etc., but I can't stop worrying, we have around £50k debt but it's over 12 creditors but 35k of it to HSBC, this 75% voting thing is what's bothering me, would someone explain how the voting works (in simple terms please). If HSB...

Good luck Jay for tomorrow hope all goes well for you, don't forget to let us know.

Oh congratulations! What a nice feeling you must be experiencing! I've just come off the phone to Tina and hopefully on the road now to a debt free life! All the best for your future.

good luck to you too Emma on your journey, I'm always here for a chat if you need one. Take comfort from Melanie and Andy and the others on here, I felt a complete failure, embarrased and ashamed, but now that I know I'm doing something at least I feel a little better. I'm not going to justify how I...

Thanks Andy more than helpful, i'll see what we come up with tomorrow after my initial talk re proposal.

50k debt, is it realistic to go for 40 p in the £ with HSBC as my main creditor? Can you work that out for me Andy, think I'm getting a bizarre figure?? I personally think I can afford £450@month to pay into an IVA. Do you think this offer is any good?

Emma, I am the same, I thought out debts were 45k but they are a few quid of 50k. Dismal reading, I've only got to print it off tomorrow and then the phone will ring at 4pm! Luckily I'm working till 2.45 so come home print it and wait! Dreading it, it's admission that I'm a failure I guess I dread, ...

Thank you Melanie for all your help, I now feel my spreadsheet is complete. Dreading and looking forward to tomorrow at the same time, although I also realise tomorrow is only the first step of my journey. Thanks to everyone else for their support too and for this great forum that makes me feel human

I had included my son's board and lodging money and will leave it there. I had doubled my medical expenses. I haven't allocated an amount for miscellaneous, unsure what this amount would cover but I would guess?/ white goods failure/replacement?? I have taken the pocket money off the sheet and will ...

Today I've sat down and done my spreadsheet showing all creditors, account numbers, balances, credit limits, last used etc., All fine but very grim reading! Maybe if I'd done this months ago I wouldn't be so far in my mess. But eh ho I am so, I am trying to deal with it. I have a few questions that ...

We live in Lincs and Norwich would be fine for us, unless you doing anything in the Peterborough area? Please let us know and we'll definately be there.

thanks for the reassurance, i go through the day having rational thoughts for half of it, then they turn into irrational thoughts as the darkness comes in. This forum has been an absolute bonus to me and keeps me sane in my darkest moments.