A well known loan company employee sold our details and they are currently being investigated by the Police. Just what we needed - we have been hounded by an 'International' call centre for months. I have told them consistently over a two week period that the police are looking into how they got our...

Understood!! SORRY everyone

Last thing seems already in trouble!!! Hee Hee

Will ring tomorrow AM.

Regards

I know in my head that trying for an IVA is the best option - just waiting for my heart to catch up. Can we make an appointment with you? Is this not the place to ask? Sorry admin if not.....

Thanks Debbie for being so kind and HONEST!! I think my partner and I are going to make the call the Melanie Giles and see if she will help us. I feel quite okay at the moment sort of peaceful. I know though that as soon as things start I will crumble and turn into a wreck. I can handle most things ...

We have not had any letters YET! Fortunately we have managed juggling so far, therefore we have not yet defaulted - it is just a matter of time. Will we too start receiving letters whilst an IVA is being set up? Sorry I feel stupid worrying so much as people are being dealt a far tougher hand than u...

Is it normal to receive these letters after acceptance? We thought once accepted nobody should bother you? Totally clueless - sorry.

Sorry couldn't resist....

It's all about the money...I'm not sure who it is by though although I know most of the words.............I wonder why???????

We filled in a questionaire type thingie on the Consumer Credit Councelling Service's web page. Has anybody ever used them? We have also forwarded our number onto Melanie Giles (thanks for the email). We don't know who to contact/use? Thanks for all the info regarding the banks, by the way certainly...

Thank you for all your replys. We are really grateful. Are we best getting a new bank account before we decide to set any wheels in motion? We have debt with our current bank. If so which one is usually best? When I have more time tomorrow I will list our creditors. We have tons of questions - proba...

We have £98,000 of debt with 15 creditors. Same old story we have tried and failed to dig ourselves out of a large hole on countless occasions and now it is time to face facts - we are not going to be able to do it on our own! We have managed to always pay our creditors and on time 98% of the time. ...