It was a REAL eye-opener and no mistake!!! That obnoxious, cocky, idiot Mark is a disgrace to humankind. Obviously they have jobs to do but the methods he employs are completely unacceptable; I actually felt physically sick. I had the misfortune of encountering people just like this from the infamou...

The endless phone calls are just SO stressful - I remember it well!!! I am now one and a half years into my IVA and although I'm finding it a struggle financially (why oh why, are the government guidlines on living expenses not updated?!?!?); the absolute RELIEF at not feeling sick every time a phon...

What a nice person you are Ray [:)] I am constanly amazed, saddened and angered at the number of people who just ignore people in need...[:(!][:(]I have seen it so, so many times. I'm like you and always wade in to help....Let's face it - it could be us or one of our families on another occasion.......

I have been as stupid with men as I have been with money!!! [xx(] All changes from now on.....! [:D]

Oxford!

He's been retired a while now.....was a lot older than me!! [:0]

Hey - I used to be a Trolly Dolly back in the 80s - made the mistake of marrying a pilot - a senior Captain...!! Divorced a LONG time ago - one of MANY mistakes I have made - the marriage that is, NOT the divorce!! [:)]

I actually saw them in WH Smiths this morning! [:)]

Hang on in there Drowning Mummy - you are doing really well. I bet you are already feeling quite a bit better now that you have set the wheels in motion - I know I did! The worst time is when you know full well that you really are in a mess but just can't quite bring yourself to face up to it....lik...

Best of luck! [;)] let us know how you get on. x

Brilliant [:)] Brilliant [:D][:D] !! The relief is fantastic isn't it?!

Everything crossed for you.....[:)]

They may do...and if that is the case just say you would prefer to have a straightforward basic account with no overdraft facilities as you are wanting to rearrange your finances - that's what I did at Nat West and got their STEP account with no trouble at all......I was still sweaty and nervous tho...

Welcome to the forum Drowning Mummy.....and what a big and great step to have taken - well done! I am a relatively new member - just 5 months into my IVA - and I am finding this site an absolute Godsend!! It really is wonderful and as the other posts have said - you are indeed amongst friends here.....

Thanks Lollie....pretty much as I thought and I agree with you about the "silly girls"...!!! [:D]