We had that Christmas last year, it was wonderful; no inlaws, no Hunt for the Red October. This year will be our first cash Christmas, only problem is after 5 years of my sister having me mum she is bound our way this Christmas, she too dresses up for Christmas and likes things her way, I might buy ...

I got advice from this forum without posting for 8 months before i had the guts to do something, I agree I have heard some real horror stories

Hi, i dont post on here very often I just wanted to let you know that the worry of telephone calls, family being here when i was getting the calls, my eldest child wondering why i was dodging calls or even answering them and the thought of people knowing at my door demanding money nearly stopped me ...

Am so bad, in my shaky state i forgot to thank the team too! thank you xxx

I have just had my phone call to say my IVA has been approved as my creditors meeting was this morning. I am still shaking but need to let Gareth, Tom and Melanie Giles know thank you so much for helping us start the beginning of the rest of our lives. Your support has been fantastic, no silly quest...

Hi, am new on here, i have got my creditors meeting this morning too, i am waiting for the phone to ring, good luck

Hi guys, thanks for posting to me. The company I rang was Bains and Ernst, but I was a bit concerned about how quickly they wanted to move and the up-front fees. I rang Citizens Advice who told me that they recomend Payplan as they do not charge fees and the money we pay back would all go on our deb...

Hi, im scared and confused, we have unsecured debts of around 60,000, no consolidation loan will touch us due to our equity. IVA seems to good to be true, I have contacted a well known and credited company who have advised me that in their opionion everything looks great for us to go ahead and it is...