Hi Guys, I have read a few posts about fellow forum-ites who have handed back houses to the mortgage provider? Do they add extra charges, penalties if his happens? How does this work? I have a property to sell from a failed marriage, little or no equity to be had and put towards debts so looking at ...

touche!

hi charlotte. Have no fear, there are many people on the forum who can help, support and generally offer an ear to bend. Most important is that you stay healthy!,the other bits will get sorted. Try contacting Melanie Giles @ www.melaniegiles.com many fellow posters rave about her services, I took th...

HI NatahshaJ I too have/had an HSBC account.I am in the early stages of my IVA proposal and have looked on the forum for support, advice and guidance. It has been a god send! and my head has stopped pounding with worry and through some good advice I see things more clearly. Many people have said to ...

Spoke to Money Expert again this morning about the inaccuracies on the proposal, they have said they will adjust all the info and send me new papers when they are done. We will see what they say next time?[V]

Thanks to all for your help so far, I opened a Cashminder account over the phone this morning, was going to do it at a branch on Wednesday but thought what the hell!. They were fantastic! All my questions answered, direct debits being sorted out when I get the forms and very friendly and precise sta...

Thx Skippy

I will do that this week. Nightmare!

Does anyone after a short time start to get some form of savings together? I dread the thought of 5 years with limited flexibility or reduced contingency? I set up a lloyds account a few weeks ago with this in mind, will this be closed too?[:(]

Hi Mel Errors were in relation to equity release from a jointly owned property which is for sale, I have managed to clear a credit card in its entirity after borrowing from folks, pressure from Skycard was immense and endless so just got rid as soon as possible, MEx were told but it still shows on m...

Hi I did the same with Money Expert (Expert Financial solutions). I now have my proposal and after going through it with a fine tooth combe I have found too many errors for my liking, I am seeking a second opinion sharpish!. Read the forum and pick up on recommedations and choose wisely. Links to ot...

Thx Ang

Will keep plodding on

[;)]

thx Barb
Probably notthe only one to have felt like this so familiar company, ideas, steam release is very appreciated.

Sorry Mel

They are a company called Expert Financial Solutions - part of the Money Expert set up?

Would really like to talk with yourself at a suitable time, you do come highly recommended by what I have read so far.

Thx
JS

Thx I have emailed Mel and will hopefully chat this week. Not quite happy with the proposal made with EFS (expert financial) too many discrepancies with things and I have many Q's and alterations to make. Is life better with this solution? dealing with divorce at the same time, pile it on or what?[:...

I have a 1st direct account, everything goes in and out of it. I am early stages of IVA proposals and wondered should I change it having just moved everthing from one of my creditors accounts? was advised by expertfinancial solutions that it should be ok?[?]

Hi
Im very new to this and have decided that an IVA is probably the only way out of my sticky situation. Is it just me or was anyone else nervous about what IVAs entailed?