Can you get gator over here anywhere? Have tried quite a few things in the past, don't like small shell food, the ones you need a pin to get out but like mussels (especially in white wine and garlic) One supermarket (I think it was Morrison's) used to get some unusual meats in now and then like kang...

Before coming to terms with financial reality we used to shop at different places and get our full shopping there on whatever took our fancy. Since having to budget we have started using a local fruit and veg shop which is very good and surprisingly cheaper. Our meat we buy once every couple of mont...

It is very sad that for some people this looks like the only way out for them, in this case it appears he only had 1 year left for it to go. My IVA is not yet set up (creditors meeting 3rd August) but from what I have experienced from Mercers up to now I am actually surprised that it does not happen...

What the overtime bit means is say you earn take home £1000 per month as normal basic. If you work overtime and get an extra £99 pound you get to keep it all as 10% of £1000 is £100. If you have received an extra £200 as overtime in one month then you keep the first £100 then the other £100 is split...

I opened my account, following reading advice on here, before taking the steps to apply for an IVA. Went for an online account with Smile Bank (part of the Co-op) you get a cheque book with it and I also opened a savings account with them too so I can transfer small amounts months into it to save up...

From what I see the actual rental income is £550 less 13% fees, which comes to £550 less £71.50 getting ££478.50.

The new rent they will be paying is £560 so the difference in I&E will be £560 less £478.50 which is £81.50.

Currently going through the application stage for an IVA, they have all the things requested apart from a house valuation (waiting for the local estate agent to get back in touch). I currently own a motorbike and a car, the bike being my favourite mode of transport with the car just used in winter a...

I wonder what excuses some of the do gooders will have for people that deliberately damage others vehicles and property. My car, as well as half a dozen others was keyed a couple of weeks ago, the car is an old one so not too concerned about respaying it but another one done was a nice black Jag. A ...

Hi stressedlady, I am just starting to apply for an IVA via CCCS myself, found, so far, they have been very good. On contacting them and discussing the situation they arranged a further call for the following week to go through the details with another member of their staff. Within a couple of days ...

We discussed the DMP option but it would take 13 year to repay if the creditors froze all interest charges.
It looked like the IVA was the best option available.

of a new beginning, I hope. Just like to say thanks to all on here, have been reading posts for a few weeks wondering what to do. Due to changes in circumstances, split with former partner, meeting and marrying new wife, then wife loosing job, I found my self not being able to pay my credit cards an...