hi both
thanks for your help [:)]

Hi Melanie, I spoke to your Tina from your team on Friday and we came to the conclusion that an IVA is not suitable for us, and that we should go for BR. Tina suggested that we speak to 'Paul' and that she would email him to ask him to call us. She didnt give me his surname, but am I right in thinki...

That's what I thought. Well BR hasnt been decided yet so maybe we'll be ok. It's good to have the info though...

thank you[:D]

no tv & games stations aren't worth that much. Cars are both paid for, and worth approx 4K and 6K, and are both needed for tavelling to & from work.

Silly question, but how do you get the smilies in your text?

sure, what r u like with face painting? Thought we could do that too

thx, don't have any antiques (other than hubby!) or paintings. Was thinking about tv & kids games stations etc.
Guess we might lose cars then....

Although we are looking at an IVA, as we have no assets and negative equity in our house, we have had BR mentioned. What happens regarding our posessions? Does the OR come into the house and take anything of value? What about our cars? [:(]

Thinking of you Elizabeth, as an ex nurse I know how debilitating crohns can be, so you have my sympathy. My husband is exactly the same, I have to do everything for him, so it infuriates me when I'm making a call on his behalf, and know all is details, security questions, PINs etc, that I can't spe...

Thx plasticdaft, we have talked about having a few friends here for BBQ and then 'disco' (i'll do music!) in garden with lights. So sleepover would probably be nice after that (no drinking & driving)

my boys refuse to go downstairs in the morning until I go! So kids & Hubby can get up but they wont leave me alone until I go, so no lay ins for me at the weekend

Good idea Julie, does it till smell bad? I thought once they'd been 'done' there is a chance that they might still spray, but it shouldnt smell too bad...

unfortunatley his paws are clean but not always his bum!

Mrs Skint that is hilarious!
Mario doesn't seem to behave as a cat should either - he appears to like water! He's been in the bath with me and in the kids pool!(although don't think he meant to do either!) He even washes his paws in his water bowl...