Thanks Mel, i do know that one would hold a major share as it would be a mortgage shortfall and the other 2 are around £10k combined. I have already said she needs to get some professional advice. They are going to be renting probably in around 6+ months time and have no other assets as they both ha...

Thanks FD, you dont realise just how many people are suffering silently lol. She confided in me, and was quite shocked really (always keeping up with the jones type) if you know what I mean and often talks about people who dont have the best of everything. Half term arrrgghhh - kids are driving me m...

Do you still have to have at least 5 creditors or could you have 3 and still look into an IVA?

Thanks
NME

Asking for a friend as some of you know i am already BR lol.

mine also stated if it was less than £5k it would be concluded.

HTH x

You can still threaten to go elsewhere obviously we wont be able to but they dont know that, I did that in April just after my IVA started and got a great deal with 02 who ive been with for about 5 years.

all the best x

Skippy, lucky for us I saw that but unfortunately it was a few days after they had rec'd their 3rd payment of £450!!! but we did escape their grasp thanks to Watchdog.

I think you are Jan, because its not your debt, maybe wrong but think i remember someone asking that before.

NME X

The trouble is they prey on people when they are at their lowest and you arent thinking straight so stupidly believe that they will help you. Things could have been a lot different for me if we hadnt got involved with them. I still have their paperwork as sorting through everything with moving in 3 ...

What they told us back in 2006 was it was a voluntary arrangement, we were NOT legally protected like we would be in an IVA, but we didnt according to them have enough to enter into an IVA, but we were paying them £450 a month which we did for 3 months and would have probably continued but they were...

We got stug big time by these idiots what was "spectrum financial services" and like size 5 says they send someone round when you are at your lowest point, i was 6 months pregnant at the time and had no where to turn. We paid them £450 for 3 months, them saying that us paying this would be less than...

Hi lollie, no i dont mean change your number, what I mean is call them to say you have and give them a ficticious number (not yours) and they will update their records and it will lose your own number on the system. Where I work we update people telephone contacts and it deletes the previous one, it...

I'm with Co-op and you get a electron debit card with them, they are very friendly and you always get through to a human being.

Dont know what Nationwides policies are sorry.

HTH x

I would contact CSL again to update your phone details and give them a duff/old one to stop the calls in the meantime. They do tend to employ people who know very very little about insolvency law. my mortgage lender recently told me if we surrendered our house as planned at the end of the month it w...

The co-op cashminder is an excellent account, you can register for online banking set up DD's and always get thru to a live speaking northern person lol (no offence intended to anyone). I opened mine over a year prior to BR as was in an IVA which failed I spoke to Co-op to advise them of what was go...

Sorry to hear this reesh - me and hubby have been through the mill of late we split in Sept he moved into rented. Money was a major factor in our problems. I was in an IVA but it failed so went BR in Oct, this was probably what I should have done years ago, but since then we have both been less stre...