Hi I Felt exactly the same as you 3 weeks ago, just kept thinking I could carry on robbing Peter to pay Paul. Its really stressful!, I have been spot free since I was a teenager and as soon as I realised I needed to sort this problem out my face ruptured with what seemed like teenage spots, not good...

To be honest after I Disregarded them I binned the paper I had written on, it was a company that I came up in the first few names when you search Debt advice on Google, its a different name to the company name that appears when you search, it was like a mans name, like William something.. God not mu...

Hi Ive submitted all my details to Melanie Giles, and awaiting for this to be processed, I am getting a call a day from a debt managment company saying that I shouldnt be doing and IVA I should be doing a Debt managment programme with them, Ive tols them im not interested but they keep coming up wit...

Hi

How bad is that Mobilefonez4u touting for new business on a IVA forum website, clearly they dodnt really understand that someone in an IVa is not going to be getting a new agreement on a mobile phone!!!

Thanks Melanie I will wait to hear from you when you have had chance to look at the papers. With regards the Northern Rock dilema, its just been announced on News at Ten that it looks like Northern Rock will now definitly be Nationalised, I wonder how a company that will be publicly(government)run w...

Hi Melanie Yes he could as it is part of our mortgage payment (we only have 1 account number for both the secured element and the unsecured element), it is certainly something he could continue paying. I just didnt know whether the other creditors would see that as favouritsm towards northern rock? ...

Hi Melanie Your company have been sent all the details Tina is dealing with (very early stages) the total debt is around 35k Northern Rock debt £13k, all of the remaining debt is just in my name, the northern rock debt is in Joint name (with Husband) it is linked to our Mortgage (a together mortgage...

Im in the process of trying to set up an IVA and after reading all the horror stories with Northern Rock am getting quite concerned that Im going to fall at the first hurdle here as I have a debt with Northern Rock and from what I can see they seem to put a stop on most IVA's has anyone in this foru...

He is today after the screaming and shouting of yesterday, but in fairness to him he was totally unaware of the level of debt I was in, again my fault for keeping it from him, he had some serious debt last year but I managed to arrange a remortgage to get him out of it, unfortunately getting him out...

Hi Kes Thanks for your support, all i see ahead is a life where, Im only going to be able to afford the cheapest brands of everything when I go food shoping and buying my sons clothes in second hand shops! I think going on a holiday is probably going to become a thing of the past, I just feel that I...

Thanks Emma

I just feel so stupid for getting myself in this mess, there just doesnt seems anyway out at the moment, Ive filled in forms on Melanies website so hopefully I can start a process to get out of this soon. thanks for recommending her
Louise x

Thanks caraf, you feel like you just dont know who to turn to for the best.. scary![:(]

Hi Melanie
Ive just filed the forms in on yr site.

thanks

So they would only be able to look at my share of the equity then? they wouldnt be able to look at the half that would be considered to be my husbands share? Is it wise to carry on down the route with DFD or do you thik I should get in touch with you melanie? I have already ordganised 2 new bank acc...

Hi Oliver Thanks for your response I just cant take any risk with losing my home, I have a 2 year old that I already feel bad for landing him in this without the prospect of having to sell up and move him to a worse area and smaller house. If they make me remortgage in year 4 is it just to cover any...