Hi Mark,
I feel for you mate, mine has cost me a packet this year, used all the savings I had put by, dreading it if owt else goes pear shaped, no car no job for me,
Hope it all works out Mate

Cheers
Mark

Thanks peeps,
I am sure the review will be smooth, any extra I earn is paid over accordingley each month or so, and the two big increases I thought were pretty obvious as they have rocketed in the last year or so.

Hope you all had a nice BH weekend

Best Wishes
Mark

I hate working weekends , but shift pay is a plus, but your social and family life gets messed around, we are looking at a roster change, may mean more nights and weekends, new boss likes 4 on 4 off, you work all or part of 6 weekends out of 8, not good for me, family life and time with them is impo...

Hi All, Been a while since I posted, I am just useless at keeping organized, never seem to have the time (or money hahaha) for anything. I hope everything is running smooth as it can be for everyone and life is treating you well. Well, just emailed off my 2nd year review, hopefully all is well, two ...

Hi Steve, Welcome, My IVA took 6 weeks from start to finish, I think it all depends on how complex an individuals case is, ie property etc, but another thing that helped me (to help myself) was being very quick with the paperwork and sending everything in to the IP FAST, you have to help them to hel...

Hi Everyone,
Thanks for sharing,
I hope you all have a lovely day today

Mark

Hugs to you all

Hi Julie,
I`m getting soppy, could be as it is 14th Feb, but I am a lucky chappy, did I mention that allready hee hee. cant believe it myself sometimes what an amazing GF I have.

Take Care
Mark

Hi Julie, We are off to DC, its her birthday on July 4th, so we get there on the 3rd, her mum was born in the US, Her grandad was a B17 waist gunner flying missions from the same airfield as the Memphis Belle, met the local English rose, moved to the US and came back when her mum was about 3, so it ...

Hi Skippy,
Certainly does mean a lot, I am a lucky chap, she has not given me a hard time at all, and does not expect too much, and is fully supporting, only one clause, when I have finished my IVA I have to pay for a holiday of her choosing !!!

Mark

Hi Brian,
Melanie and her team sorted me out, I can recomend her, as can a lot of others on here, they will certainly work with you to get you the best way forward that works for you.

Oh and welcome aboard too

Cheers
Mark

You have to take adversity head on, and smile through, little bit of OT paid for the car, so no great drama- he says ruefully, still have had a brill result, my GF has paid for a holiday for us- we dont live together, so she has nowt to do with my IVA, all I have to do is save as much spending money...

Thanks me old muckers, Cant complain about the the car too much, she is doing really well, 120,000 miles and 8 years old, first major expense for 3 years or so, will need new tyres soon though, got to keep her going, Silly shifts means I do need a car, and after 1830 there is no public transport to ...

Thanks Jan,
Aye do have good SoH, helps big time with lifes dramas, elec is currently £75 per month, before this long cold spell, so expecting it to hit £100 maybe more gulp !!!!, annual review soon, so things should balance out anyway, £400 for the car was a pain, new rear brakes were needed.

Mark

Hi Everybody peeps, Car £400 Electric bill (house elec only) ££££££ cant wait for the new monthly payment on that one [:o)] Storage heating sooo cold, had to get 2 portable heaters with butane cylinders at £23 a fill For everything else their is no mastercard[:D] Roll on the good weather, memories a...

I hope you get it sorted out easily, I had a hard enough time plucking up the neccessary to ask for help, and post here, let alone the family, nooo way, still a secret and will stay as one, they are sooo good with their finances I do not want to be in the postion of the questioning, and the "how cou...