Thanks Lily I'll bare what you've said in mind. I'm trying to pack up to move and sort everything out as well as dealing with these creditors.It's all getting too much. I went to stay with family for a break the other week and came home feeling more refreshed, only to find my answer phone full of me...

Thanks Lily. I never took out credit while on benefits. I was in a well paid job when I was struck down with an illness that meant I could no longer work. I have never been a bad payer and I am too ashamed of my situation to tell my children the truth. They think I'm moving into rented accomodation ...

Captain Sensible is talking about income support and lumping all benefits as this.
I think mine are no different to an insurance policy. You pay in for it and when you need it you take it.
It is not means tested and I'm not a scrounger.
My money is as good as anyone elses.

By the way Captain Sensible I paid in for any benefits I get. DMP's are advertised as a long term debt solution. I was doing all I could to shorten that. Already my creditors have had a good percentage paid back to them. It seems the more you pay them the more pressure they put on. Anyway, don't be ...

Melanie I'm sorry for what I said to you as I know you've helped many people. I felt that you were talking down to me and I think that is totally unfair. All of those people on here have had what I've had but they had light at the end of the tunnel with an IVA. My misery has just gone on and on in s...

Kallis 3 Your situation was not unlike mine except you are passing judgement on me. I am in your worse situation I have lost my home and no I don't want to pay over every penny of what I've worked for to these horrible people that wopuldn't give me a chance. Yes I did borrow the money but so did you...

Well to the person that said they don't think people on benefits should be allowed an IVA to pay back creditors out of public money. They are taking my benefits just not in an IVA. Where do you think a DMP finance comes from if mainly benefits are your income???

Well I was only actually posting on here to request fairness to those that are on benefits/retired and can no longer work. It was, in fact Melanie and one of the men IP's that both said that because most of my income is made up of benefits I cannot get an IVA. This was also reiterated by Payplan. As...

My sister paid off four of my creditors and it is the decent thing to do to pay her what she paid. It was paid out of the goodness of her heart on the understanding that I would leave her the money when I passed on as she is younger than me by a considerable amount. She dug me out of a hole and went...

No I'm not and when I've bought what I need and paid back my sister they'll get offered what's left.
What more can they do. I won't have a property, I won't have any spare money when I've paid astronomical rent so what I offer will be it.

Thanks Melanie. The proceeds would cover my debts but, after struggling for a long time, I feel I would like to give the money back to my sister now as I have no property to leave her. I would then buy some necessary furniture as most of mine was built in, wardrobes, cooker, fridge/freezer, washer d...

Thanks ronald, I will let you know how I get on.

When I came on here before I was clearly told that I wouldn't get an IVA because I got benefits. I wasn't suitable because I got Occ Pension, DLA, Incapacity Benefit that will change to OAP in January. I will be keeping as much money as I can out of the proceeds of my sale and paying creditors as le...

Hi, I just wanted to let you know how I have got on since first joining this forum in 2007. I have been in debt management with Payplan since January 2007. Never missed a payment and have constantly increased it whenever possible. In spite of that I was never left alone. I have been constantly hound...

'm considering all options at the moment.
I'm not even sure how easy it will be to rent a property.
Does anyone have any experience of this????