Hi Ray I'm still a newbi to this forum as well, I sit here at the mo waiting for my so called lodger to return who I took in to help with money only to find she can't pay, me beng a friendly caring person contact Shelter only to be told as a lodger she can stay until the 31st September prob rent fre...

This all sounds a bit scary as MBNA is one of my creditors and I am currently waiting for my DMP to be set up while looking into an IVA. Also Melanie could you explain what you meant by this:- We are already starting to see signs of this policy in our own proposals, and it will get to the stage as w...

Don't speak to soon[;)]

I am unfortunately sitting in an office just lookung at the sun! Not looking forward to the tube commute later[:(]

Thanks John, I didn't like to ask outright [:I]

I hope you get things sorted out soon, my DMP will last around 17 years, hence my reason for the IVA option,that is if it gets accepted etc.

Enjoy the rest of your sunday

Naomi

Hi After joining this brilliant forum last week I have been catching up on postings every since, so hence my question re John's posting, I am on my first tentative steps to trying to arrange an IVA, (to those of you have already suggested Melanie Giles, I have already made contact as at present I am...

One thing I've learnt so far from reading through the postings on this forum, as I guess with others, is that I am not alone because up until now I felt that I was failure for amounting debt just for trying to pay for everything, not out of greed or wanting a lavish life,just trying to pay mortgage ...

Hello and thank you for your kind advice I have found an IP, it is one I found via the internet, it is one of those "large organisations" that unfortunately charge you in the first instance for speaking to creditors. So now the ball has started to roll as they say, I just want to ensure that I know ...

Hi I am new to this forum thing but what brought me here is that I have been reading everything I can of late about IVA's. I just taking the initial scary steps towards an IVA after realising I was heading for financial melt down. Exactly how does the process work, for example how much money are you...