Hi - I opened up a basic account with Lloyds TSB very quickly. You get a debit card, paying in book and have access to internet banking.

I am 29, and apart from when I had my first job when I was 18 I have lived in my overdraft for 10 years. My biggest problem is that my mother and father were not money-wise. When my first bank at uni gave me a credit card, my mother asked me what it was! I had no idea that mortgages, credit cards, l...

Hi guys Now that I am on the road to sorting out my situation I am trying to see what my alternatives are when it comes to my money. As someone who travels with work, I need to make sure that I can pay for transactions abroad. Sadly, my new "no frills" bank account has a debit card that doesn't alwa...

Hi guys Now that I am on the road to sorting out my situation I am trying to see what my alternatives are when it comes to my money. As someone who travels with work, I need to make sure that I can pay for transactions abroad. Sadly, my new "no frills" bank account has a debit card that doesn't alwa...

Guys - I wanted to say thank you to you all for your advice. I came on here two weeks ago as I was desperate, and I just wanted to say thanks to everyone who suggested that I speak to Melanie Giles. In fact, I spoke to the lovely Melanie Nicholas. One 30 minute conversation and my life has changed. ...

If your claim is for personal injury, then it ought to be exempt from the IVA, but if it is compensation for loss of earnings this may have to be treated as a windfall. Hi Melanie - thank you for this. Out of interest, is a windfall seen as something seperate to the IVA payments? ie. if you have an...

Thank you all for your help.

I was just honest with my boyfriend about it and he says he supports my decision and I've just emiled Melanie.

Wish me luck.
x

Thank you Andy. You are 1000000% correct about the compensation - I think it's more the wanting a reward for the surgery and pain!! lol. I have been speaking to Debt Free Direct, I'm not sure if I am better off going with one of the larger firms going going somewhere more independant. Who did you do...

Hi there I've been thinking about getting an IVA for a long time now, and sadly, due to an accident at work I've had to seriously think about it. But I'm scared, I have £42,000 of debt and for the last year I have just stayed at the same balance every month (paid the minimum, interest is the same et...