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by chezzy
Fri Jul 25, 2008 7:48 pm
Forum: postings for july
Topic: Strange emails from support@iva.co.uk
Replies: 17
Views: 2584

I too have had about 12 emails from various people, must be a problem somewhere!!!
by chezzy
Thu Jul 10, 2008 9:18 pm
Forum: postings for july
Topic: advice needed.
Replies: 8
Views: 1105

we spoke to melanie,who was great but were told that because we had equity in the house we would probably not be accepted.
by chezzy
Thu Jul 10, 2008 9:05 pm
Forum: postings for july
Topic: advice needed.
Replies: 8
Views: 1105

In a bit of a quandry. We cant do a IVA because of equity in house, so are looking at a DMP,selling the house will only repay about £35,000 of our £58,000 debt, Do you think our creditors will settle for less,or will we still have to carry on paying into the DMP? Should we sell or keep paying into t...
by chezzy
Tue Jul 08, 2008 9:36 pm
Forum: postings for july
Topic: phone calls!!!
Replies: 7
Views: 1085

At the moment it looks like we cannot do an IVA due to the equity in the house.So we are looking at doing a DMP instead. Unfortunatly this means many years instead of 6.May put the house on the market, but there is not enough equity to settle our debts.We have another estate agent coming tomorrow so...
by chezzy
Tue Jul 08, 2008 9:19 pm
Forum: postings for july
Topic: phone calls!!!
Replies: 7
Views: 1085

Hi
Just wondered how people deal with THOSE calls!. Got home from work tonight, and there were 15 calls.Do you answer or ignore them? Any advice would be appreciated.
by chezzy
Mon Jul 07, 2008 9:59 pm
Forum: postings for july
Topic: new bank account
Replies: 11
Views: 1615

cheers guys, I think this forum is marvelous. dosent matter how down I get there is always someone on here to make you feel better.and make you smile.
by chezzy
Mon Jul 07, 2008 9:44 pm
Forum: postings for july
Topic: new bank account
Replies: 11
Views: 1615

Maybe I read their letter wrong,but it seemed to be a condition of acceptence, They have sent a new account number, but no sort code and without that we cannot transfer our wages into it.
by chezzy
Mon Jul 07, 2008 9:09 pm
Forum: postings for july
Topic: new bank account
Replies: 11
Views: 1615

We are in the process of setting up a new bank account with the co-op they have agreed in princple, but have sent a direct debit swithching form.the problem is If I send it back will our existing bank stop our account as we are living on overdraft till we change banks.we have included the overdraft ...
by chezzy
Sun Jul 06, 2008 6:21 pm
Forum: postings for july
Topic: Black cloud
Replies: 8
Views: 1334

Thanks Melanie, maybe just maybe there is a chink of sunlight in that black cloud!
by chezzy
Sun Jul 06, 2008 5:43 pm
Forum: postings for july
Topic: Black cloud
Replies: 8
Views: 1334

It was Melanie who turned us down,mainly because we thought there was enough equity in the house to clear our debts to Nr and the others, now it looks like there wont be.
by chezzy
Sun Jul 06, 2008 5:28 pm
Forum: postings for july
Topic: Black cloud
Replies: 8
Views: 1334

Hi, I feel that I am taking one stop forward and two back, and all I want to do is get everthing in place, sort out our debts and get on with our lives. Tried to do a IVA and were told that due to our debt with NR we would not be acepted. Now we going down the DMP route based on our selling the hous...
by chezzy
Thu Jun 26, 2008 10:21 pm
Forum: postings for june
Topic: help!!!
Replies: 6
Views: 1377

Cheers guys, I have been watching this site for the last couple of weeks, and It has given me the push to own up and admit that we are sinking fast. I know that it wont be easy but it does help knowing that we aren't on our own.
by chezzy
Thu Jun 26, 2008 9:48 pm
Forum: postings for june
Topic: help!!!
Replies: 6
Views: 1377

spoken to payplan this evening,they cant help because our two main creditors NR and cticard wont work with them. I am talking. to melanie's team tomorrow and praying that they they can help. Have been looking at sell and rent schemes and was wondering if anybody had had any dealings with this.It wou...
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