Hey John

I have left a post on the other forum for you.

Jenny

[:D]

Melanie & David

Thank you so much for your advice - i will speak with hubby and father in law.

Melanie - My hubby is not in an iva at the moment.

Many thanks

Jenny

James

Thank you for taking your time to reply - how would i work the credit card one out ?

Hi all I hope someone will be able to give me an 'idea' of where we stand. Hubby is self employed and work is drying up very quick. My father in law is considering offering a full and final to his creditors. Please could someone advise on rough figures that would be accepable to offer (if this doesn...

Hi Julie I am so sorry to hear your news. You would have thought they would have prefered that as opposed to your hubby going br !! I am from the br site (only a general visitor here these days) and you can fill the forms in online and as you go along you can save them. I did all the easy bits first...

Our mortgage is with Mortgage Express and i approached them last week for a payment break, as hubby is self employed and there are cash flow issues, due to not much work! I was (not so politely) told they do not offer payment holidays and if i missed a payment it would go straight on my credit file ...

Hi John

I just wanted to say thank you for posting this information.

myself and hubby made an application for the self cert protection and are very pleased with the quotes given.

Once again, thank you and heres hoping he wont be needing it [;)]

James I dont often post on here as im off the br site, but i could not read that and leave without leaving you a message. What a wonderful speech and like alot of others i am crying (happy tears tho). I really do wish you all the luck and happiness you deserve - what a great start to the new year. J...

I have bought lots of very reasonable toys (all under £1, may i add) as lucky dip gifts for my sons bithday in January....

I really feel for the staff though, as they dont know if they are coming and going and people must keep asking them the same questions all day everyday.


[V] [V]

Oh Jan I forgot about Paul (and he was the first person i spoke to regarding BR [:I] )

Jenny

xx

Hi Peter I do not mean to step on anones toes here, but from my personal experience of Bankruptcy advice, the CAB were not able to give full advice on this. I am also a member of the sister site regarding Bankruptcy and got more help and valuable information from them than anywhere. They also have a...

Congratulations from me too [:D]

Im so pleased for you - what a xmas pressie !!

xx

Before I had to go down the route of Bankruptcy, i initially went to the CAB, who told me there was no other option but an IVA for me. They recommended a company called Grant Thornton, and i got the feeling they referred people to them on a regular basis. I personally did not like the advice given, ...

Hey Rich

I completely agree with the other, let them make you Bankrupt and save your money.

Good luck

For many months now, i have been using Wilkinson's own (skin therapy) Cleanser, Toner & Moisturiser....its only 75p per bottle, and suprisingly good.

Great tips, Thank you very much

Jenny