Can anyone recommend companies that are prepared to lend to those with bad credit ratings/history?

Thanks

Hi Melanie

Tina kindly phoned me this afternoon,which was great. She said that she would try and get hold of you, so that we might speak. I am at home now, if its convenient for you.

Hi Melanie

Thanks for the reply.

I have just left a message for Tina on her mobile. We spoke last week, Monday evening at 7 or 8pm for about half an hour, if that helps.

We have started the process of an IVA with Tina on Mel's team - very early days though. This afternoon a bailiff came to the door. We didn't let him in, as advised on this forum, but he said he had put an order of some kind on the car which means he can take in in 84 hours (longer than usual because...

Can someone advise me please

At the proposal stage, is it possible to make a full and final offer to creditors then, and if so, is there some kind of formula/amount/percentage that is generally accepted?

Thanks

Thank you Aguise and isthereanend. This forum is great too, so glad I found it. This situation can leave you feeling very isolated and despondent about the future. And whilst I wouldn't wish this on anyone, its good to know that there are other out there who understand how I am feeling. Have a good ...

First thing this morning, I emailed through to Melanie to make contact with a professional and find out more. I took my son to school, popped to the bank and paid some money in, and as I walked through the door at 10.30 a member of her team phoned. 1 1/2 working hours. IMPRESSIVE! I have booked an a...

Thanks Emma. Glad things were sorted out for you.

I will be giving her a call tomorrow, I think.

Another question please. As I understand it an approved IVA will probably include a compulsory equity release on your property at the end. Is this in addition to the 60 payments of the agreed amount. How is it calculated? Who is going to lend money to someone with an incomplete IVA and a bad credit ...

Thank Andy

Good point, thanks.

And where are you based please?

Evening Melanie

Where are you based pleased? I need to choose an IP but ideally want one nearby me for meetings etc. I am in Hertfordshire.

Thanks

Thank you both for your input.

I will be trailing through the recommendations on here and hope to go and see a couple of advisors the next couple of days.

Fingers crossed.

After being up all night and reviewing our position, I think we need to wind up our business and apply for an IVA for my 'personal' debts. If I have understood this process correctly, I need to appoint and IP but there is a cost for this service. However I don't have any funds to pay for one. I am s...

Thank you Melanie for your input. Its much appreciated.

I wonder though how you manage to keep so many threads going at the same time without loosing track!