hi

we have had one of those as well and have been in our iva for 14 months - they have a nerve

barb

mbna tried to get us to enter into some ridiculous arrangement when we were applying for a iva, they said we were bring told wrong information by our ip and a iva would not be accepted - it was accepted - they are just panicing and trying to get you to get into an asrrangement with them that you can...

hi caroledc

have you contacted anyone for professional advice!

please dont bury your head again, i did for far too long and i know what the worry is like!

contact david or melanie they will give you honest advice

barb x

hi you would not go wrong with melanie and her team, i cannot fault them. we have been in our iva for 12 months now and they have been professional and supportive from day one! use your own judgement and if you feel comfortable with the firm you are speaking with then thye are probably right for you...

you arent alone hun! you can always come onto here and there will always be people to listen to you! this forum was a godsend for me in my darkest hours!

get the ball rolling as soon as possible and things will only get better!

love barb x

course it wont go against you taking your son to a safari park, even now we are in a iva we still have little treats, like this week i have booked 2 nights in a travel lodge in kendal in the summer- the little treats keep us sane and help us along the way! try not to beat yourself up - you are not a...

hi a big warm welcome from me too! hun, i remember the feeling so well, the being scared, feeling stupid, feeling i had let every one down and the panic that there was no way round it! you have made the biggest step of all by facing up to it and yes you will have lots of down times on your journey b...

hi pap your post has reallly touched me and i am sending you a big hug! i cannot begin to imagine the heartache and pain you have and are going through losing a child - everyone on here is here for you, so dont ever feel you are burdening people! i am parying for good news for you on monday! try to ...

good luck from me too!

barb x

hi ang just to let you know that unfortunatley myself and hubby wont be able to make walsall after all! its my brothers 60th birthday that weekend and he is kindly paying for a meal for all of us on that night! would have loved to have met up with you all but maybe some other time am sure you will h...

hi

i really hope you can get things sorted as i realise how worried you must be right now!

from personal experience i can recommend melanie giles and her team, they held our hands all the way through our problems and i could not fault them!

good luck and let us know how you get on!

love barb x

martyn

egg credit card took us to court to put a charging order on our house, luckily before the case was heard our iva was approved and therefore overided it but it can be done!

like vicki says have you any other debts? if you post your details perhaps an expert can advise you further!

barb x

thinking of you emma and i hope you are feeling a bit better!

love barb x

hi

i may be wrong but i thought utility bills arrears could be included- like i say i may be wrong!

barb x

thanks stressed! it will work for you too i promise! a iva is not like having big brother watching you it is just about paying as much back to your creditors that you can afford after your essential living expenses, we can still have a treat now and again and we can now sleep at noght without worryi...