Beechy

you hit the nail on the head - my main concern about a DMP is the possible phone calls, visits, even CCJ's i understand, that could be placed upon us.

I will be at work, she will be at home with a new born.



Rich

thanks to all for the replies. Melanie - to answer your question, my preferred route would be DMP initially, whilst reducing my expenditure and then see if my partner *wants* or can go back to work after the SMP has ended. This is our first child, and we may have more. think the above is along the l...

Dave

thanks for the reply. Have posted full and frank circumstances here :

www.iva.co.uk/forum/topic.asp?TOPIC_ID=8015

Rich

i owe 47k, spread like this :

Egg CC - 11.5k
MBNA CC - 16k
Halifax CC - 6.5k
M&S CC - 1.9
Barclays Loan - 11k

Rich

Skippy, your post is very poignant.

Like to think that i have some faculties, but the advice I am being given is sometimes contradictory.

I'm assuming you end up with what you think is best for you - though in a few years you could rue that choice.

Rich

ok, further to another thread, just thought I would seek some opinions from the IVA.co.uk community I have been given 3 separate answers on the following situation, these are : BR - CAB IVA - IP Company DMP - CCCS My situation is that i have 47k of unsecured debt, spread across the following : Egg C...

Question about a DMP it is mentioned in all literature that your creditors do not have to stop adding interest rate or late paymentcharges on your o/s debts. However, it seems some are more reasonable than others. Can anyone comment if they have had success under a DMP with the above with the follow...

ok, will put full facts and figures in seperate post.

My post here, is about :

1) that do companies/organisations/people follow the same guidelines when discussing debt

2) What are those guidelines ?

3) If the same information is given, how do you get three seperate answers ?

tia

Rich

not knocking the NHS, in any way, just that the NHS has now gone 4 different ways. Each country has its own priorities, and for Wales we have had free prescriptions - but tally that against my comments above on waiting lists. full BBC article here : http://news.bbc.co.uk/1/hi/health/7149423.stm Rich

Just wondering if there is a set criteria or guideline for advice to people who are in debt and considering thier options.

I ask because i have now spoken, all by telephone, to three seperate organisations and ALL have advised a different options.

confused - i know i am

Rich

come accross hospitals everyday who use every trick in the book to remove patients from waiting lists.

One of the of the items i have just stopped is my private medical and dental payments. Have never used it, sure hop i dont need it now !

Rich

may well be free prescriptions in Wales, but dont get ill and need an operation. Of the four nations Wales has the 3rd longest waiting lists, with only NI longer. The average wait is 13 months for Outpatient App and then 6 months for inpatient if required. Compare that to England of max 18 week Out ...

thanks for that info Andrew

If they are creditor funded, i could find nothing on thier websites to say which creditors.

Because of the charity status, just assumed that they where publicly/lottery funded.

food for thought anyway

Rich

Thats much apreciated Andy - its actually what CCCS said, however am still going to take a 2nd opinion i think.

Just seems a travesty that i have to drag my partner into my debts

my unsecured debt is 47k after yesterdays meeting, with SMP and possibly child tax credit (latter to be confirmed), disposable income was worked out at £895. This would reduce to £420 after SMP has ended and if she did not return to work. we estimate fulltime child care costs of £680 per month if sh...