what does that mean ? so can bailiffs come then ? thats paniced me again !!!

hi any ideas as to whats reasonable to allow per person for clothing per month ,i have 3 children ,myself and husband ,just wondered whats acceptable ,also food per month for all of us ,thankyou .

thankyou for your advice ,sorry i could'nt reply earlier ,this forum is fantastic gives such peace of mind . great people on here ,nice to know i'm not alone . : )

hi cybus they have contacted creditors and are waiting for response from a few ,so i'll get on to those few today see if i can help out a bit ,thankyou for your time ,i don't have any complaints about md they seem very friendly and helpful ,i just wondered how long this process normaly takes . kind ...

hi in november we approached clearstart who passed us to mccambridge duffy because my husband is self employed ,i filled out all paperwork around 3-4 weeks ago ,we put our house on the market as we need to offer a one off payment and as far as i am aware mccambridge duffy have written to all of our ...

thankyou for all your advice .At least i know the few bits that we have that my husband loves will be safe . thanks again .

thanks andy you don't know how good that has made me feel ,my husband is trying so hard and most of the debt is mine ,hes amazing to stick by us ,let alone start all over again ,thankyou for putting my mind at ease ,i'll try to make our new home nice for him now i know it'll be ok .thankyou again .

hi ,melainie i know you replied to a previous posting of mine regarding bailiffs ,but i just constantly worry about this more than anything else . what it is ,is basicly i have my house on the market to offer a lump sum iva to creditors as you know ,and the council are going to re house me my husban...

hi melaine ,sorry to appear thick here but just to clarify if i was taken to court the court would'nt give bailiffs the right to come and remove items from our family home as a first instance then ? i was just wondering if sometimes the courts just instead of arranging a repayment order send in bail...

hi ,so if a creditor takes you to court during an iva proposal ,say its taking longer to set up than usual the courts could automaticly send out bailiffs to recover the debt ? or do they give you a ccj in terms of making regular repayments on the debt ,then if you fail to keep up with repayments go ...

HI MELAINE NO ,ITS JUST I WORRY SO MUCH ,and i just dont want anything to stand in our way ,i am paying a small amount into a dmp at the moment but am just worried incase things get nasty whilst our house is on the market .
thankyou again for your advice .

hi melaine how would you know if anybody was going to try for a charging order would you receive a letter advising of this or just a letter from courts ? is it likely ? my ip has contacted all of my creditors to advise them of our intentions ,would the courts usually agree to a charging order even i...

HI ,WE ARE PAYING AS MUCH AS WE CAN AS I SAY IN TOKEN PAYMENTS ,BUT IF A CREDITOR WAS GOING TO APPLY FOR A CHARGING ORDER WOULD MY IP NOT GET AN INTERIM ORDER IN PLACE IN TIME ? THANKYOU FOR ALL YOUR VALUBLE ADVICE ,SORRY FOR THE CAPS !!

hi ,we have filled in all our paperwork regards applying for our iva ,is it okay to buy my daughter some clothes ,she is dissabled and has lost a lot of weight she does receive dla but i havent allowed for her to need these clothes however i can juggle a bit and have sold a few items that are too bi...

hi andrew ,ive had so many different pieces of advice some say don't pay as it won't make any difference as once the iva company contact the various creditors its passed on to a different department etc ,then others say make token payments ,my ip suggested i make reduced payments through my already ...