Thanks jan,

I might give Melanie a call tomorrow a she is who I am with with my IVA.

My girlfriend pays for everything at the moment but we are struggling big time.

I don't have any assets at all! Apart from tv, xbox, laptop etc etc! I live with my girlfriend but nothing is In my name. It is wierd as I can join the MOD police but not the normal police force!!! I have tomorrow off so am going to have a look at my options. If I go bancrupt what will happen to my ...

Hello again, Well, I'm still out of full time work, missed my payment last month on my IVA [:(] claimed job seekers when I was not supposed too!! Feels like everything is going wrong again [:(] I have been working on and off for the last few weeks but am really starting to struggle now as my money t...

Well everything has turned around for me!!! Been made redundant today :( Have not been paid since 27 October and will be paid 3 week money next Wednesday and then i have go through the govermant to claim back a week and my notice period?!?! Is that right??? Also is going into an IVA classed as a CCJ...

Thank you.

Actually 1 said no which i think was GE capital but that was only £180'ish so i thought they might.

Good luck to anyone else and i highly recommend Melanie's company as they are very very helpful and understand your troubles.

Hello people,

Sory have not posted for a while but had my meeting on wednesday and it got accepted all said yes to it!!!

Thank you to melanie and the team for all there work its much appreciated.

Feels like a new start

Neil

Thank you Melanie, have a couple of questions aswell so can ask at the same time.

Neil

Hello again,

Everything is in full swing Just getting all my stuff together but am struggling to find address for all my creditors. Anyone know where i send the letters too, it says to there customer services but i have been searching on the net but cant find them.

Thanks

Neil

Hello again,

Everything is in full swing Just getting all my stuff together but am struggling to find address for all my creditors. Anyone know where i send the letters too, it says to there customer services but i have been searching on the net but cant find them.

Thanks

Neil

Hello, Have spoken to Tina @ Melanie's company and am waiting for her to come back to me. Just a quick question, I am still on the electro register at my old address and i cant change it till december as i have missed the cut off for this period. Will it affect me in being able to open a bank accoun...

Sorry for late reply.

Have filled in the form on your site now, hope i filled it in right.

Neil

Hello People, I am back. My situation is now, i have moved out of my prents house and am living with my new girlfriend but not paying any rent (yet) I am off the mortgage with my ex and did not take any money from her. Really need to talk to someone on what my best options are. shall i fill in a for...

Thank you for all your advise. Even if an IVA is not the way forward i may get another job earning more which would hel me out but wanted to get advise on my options.

I look forward to your call Melanie.

Thanks again

It was bought together on a joint mortage. I suppose 40% of 12000 is the equity although she payed alot more than i did a month towards it. I suppose there is about £5k in equity. Would that not be halved between us? I was just going to give her the flat and not take any money as after fees and what...

I know the hsbc loan is unsecured and that is £25k!!! I think our flat was worth £168k when we bought it and its now about £180k and we only had a 40% mortage on it