Just had a flyer from BT about make the most of your phone. It says that you can choose to refuse lets you choose who gets through.The link below is the flyer as a pdf.This may hekp a few unwanted calls but remember you may not want to bar them but keep speaking to them. scroll down to page 5 on pdf...

John z

a big hug as well xxxxx

[:)][8D][:I]

Got it

Thanks

John

LOL LOL yes you are forgiven. I understand what you mean I am just about to get an IP not yet in one.

What made you do a dmp not an IVA?

How do I get smilies?

Thanks Skippy13

Johnz Is this happening while you wiat for your IVA? or after?Surly it seems unreasonable to send in bailifs/Debt collectors if you are in the middle of your proposal. What would happen if say the adult did not open the door but say someone else e.g one of your kids if or mother in law or frind & th...

Martin excellent post this put a smile on my face and gave me a giggle.

Thanks you

Thanks

I have a Barclaycard & Barclayloan that will be proposed in an IVA but my Barclays bank account is not overdrawn. The company account is with them also . Can they touch the company account as I am a director? There are 4 other directors as well.

Thanks again to Andy & melanie and thanks Emma for your support still coming to terms with it but the only way is up.
This board is a huge find for me and so grateful their is so much help & support
x

Thank you Melanie & Andy for your help I am very pleased to have found this forum. I would have hoped to have sold within 12 months but if the property market does slow down(well it has a bit already) would they extend the period as we would not be able to refinance as we have a large mortgage allre...

I own 50% of the house after the mortgage which should cover like I said the majority of the debt 75-80% I would think.Is it something the creditors tend to favour a sale to make a large lump sum payment. If I do this will the IVA be finished?

Congratulations FF
I hope you too like Deb have a great 2008

Andy

what is a full & final IVA with a lump sum as soon as we sell. It will not cover 100% but probably 75-80%

If as a director of a company I am employed can I still apply for IVA?

Well done Deb

congratulations you can make a fresh start for 2008