thank you all so much for words of encouragement,advice and kindness im overwhelmed.just wish id found this site sooner!!im going to see the debt lady at cab on tues,ill keep you all updated thanks again

phew thats a weight off thanks

thanks brassic ,if i stop paying my dmp and use the money for br thats going to take 5mths to save that i dread to think what will happen in those 5mths letters baliffs non stop phone calls do i tell them im not paying because im br

when the or is called in what do they do

thank you all for your kindness and replies,i must admit im seriously thinking along the lines of br,im going to ring the cab as they have a debt counsellor there who wil go into the in n outs and even get the ball rolling for me,i cannot see her till nxt thurs as she only there 1 day a wk.im def go...

baines n ernst charge me 22pound a mth fees so thats over a 1000 pound in the time ive been with them

here are the bank acc on the list that baines and ernst sent me.these for basic bank acc andwill except undisharged bankrupts. abbey bank of scotland clydesdale co op halifax hsbc lloyds tsb nationwide natwest northern bank royal bank of scotland ulster bank yorkshire bank they all do dd and bank of...

the dm has just rang me i explained my fears about kepping up the payments on iva,he assured me even on benifits id get iva,also he said not everybod y get given this wonderful opportunity and why have i changed my mind as they put a lot of work into it they arranged for someone to come and see me a...

hi the debt management co is baines and ernst but the iva is being handled by there sister co blairendersby,a bloke just rang out the blue and said that my file had been passed across and would i be intrested in a iva and it went from there

hi lily thanks for your kind words much appreciated,and mish no offence taken,i no exactly what your saying,the dm co no im on benifits but seem to think the iva would be approved no probs,so there probally misinforming me on this one as well!!skip ive read your blog excellent i see you was on a iva...

hi and thank you all for replies.i rent my home so do not have the added worry of mortgage,and ive been with the dm for 5yrs paid 149mth no defaults.ive just rang them up and told them i need more time to think about this as i really do not think me and my family can live on 600mth for the nxt 5yrs ...

hi i was with a debt management company for which ive payed £149 a mth for five years to clear about 25grand wortg of debt,they have now rang me and offered a iva which im seroiusly considering,but im also wondering about bankruptcy,i have about 22 grand of debt left which at my currant arrangement ...