Just about managing, it's awful esp when friends and family are round and the phone is ringing constant, i have now started to unplug it when people are round. I have been managing to pay credit agreements up until last month but it was a real struggle had no money for heating or shopping so i decid...

hi debbie, No br was never mentioned, they completely dismissed the debt management plan and only discussed the iva option. Just seems strange that it was b&e i spoke to first, then it was blair endersby and now it's HJS recovery. Don't know were i am at the moment. They seem to be to ok so far. I j...

thankyou, so if i have most of my debt with halifax and they don't bother to vote does that mean the iva will be rejected even if the others agree to it.

hi, creditors are welcome finance, provident personal credit, halifax which i have two overdrafts and a credit card, and bank of ireland, next and two aqua credit cards, i think aqua are part of halifax as well.
thanks

I don't want to go down the bankruptcy route as my family and friends no nothing about my debt problem and i think your name goes in the papers etc, plus i really want to repay as much as our debts as possible. When i contacted b&e they never mentioned bankruptcy as a solution, i had contacted them ...

hi, and thanks for your info, i take it hjs recovery is part of blair endersby. I just hope it all gets sorted soon i didn't even know what an iva was until i spoke to bains and ernst. I don't know what i will do if our iva is rejected. I can't wait for the phone calls and letters to stop. I have be...

hi, i am in the processs of setting up an iva with bains and ernst, the details have been passed to blair endersby, which i was not told about. When i last rang they said the proposal was comleted and we were waiting for a creditors meeting. I have just recieved a letter this morning from Blair Ende...