[:D]Hi everyone, especially newbies !! We are 14 months into our IVA. It has probably been the best decision we ever made regarding our finances. We were 48,000 in debt, behind on our mortgage and chasing our tales to pay our 12 credit cards off. We made a decision december 2008, that we would never...

Hi, just want you all to know our iva was approved monday for me and hubby. the next day court order came for natiowide current account, ha.[8D] It has been nearly 12 months since i first came on this forum, i'd just like to say thanks for the support i have had off here and especially cleardebt who...

Nearly 12 months ago i remember thinking how i couldn't face another christmas like this. Out of desperation i typed in debt on google and came across this site. (best google of my life!) From the first phone call to the IP company it was instant relief. We tried to go for an IVA in january but beca...

Hi, northern rock and cahoot were the most flexible and understanding- these are loans. credit cards- bank of scot,lloyds,mbna,and barclaycard were all pretty ok. The main culprits were goldfish(now barclaycard)constantly phoned and demanded post dated debit payments,otherwise threatning action,not ...

Hi,
If Aegis call at yours on saturday,tell them not to bother calling at mine as we will be out! We got exactly the same card this morning [;)]
New hopex

Hi melanie,
Unfortunatley they were not in writting and i know that the house prices have dropped significantly like most areas on our street.
Thanks for the advice about selling, something which may come in use.
new hopex

Thanks for your replies, we had thought about getting a local estate agent to value but they would charge and it's a cost i can do without at the moment, obviously we would have to if needed. We had the same problem last march when we tried to value the house for a consolidation loan( which we didn'...

hi size5,
Glad to hear your feeling better. Your voice had nearly disapeared!
The only thing i haven't returned is the house valuation,i was going to call tomorrow. I've only had a internet valuation on zoopla.
What will i need to do about this?
newhopex

Hi David,
It was actually yourselves cleardebt!
Poor Mike was not well that day but made us feel at ease, and i talked him hourse for an hour.
New Hopex

Hi , Well we have filled in the forms and sent off documents for the iva on friday. We both feel alot better since i spoke to our IP a couple of weeks ago. My hubby looks so much less stressed. We have opened our new account and have transferred our dd's and income to go in there. Point is tomorrow ...

Thanks for all your advice, i found a few posts on dla , so that's alot clearer. Can't beleive how many replies i got, made me feel alot better today. I have contacted a few ip's but wth it being xmas it's been slow! can't wait for tomorrow to finally get going!! I can honestly say i've never been s...

Thanks for your advice and Happy New Year.

Hi All, I found this forum last week and its been a relief to know i'm not on my own. I fnally took my head out of the sand on 22.12.08 and aknowledged we could no longer cope with the debt. I called the natonal debt line who gave me basic advice and helped me fill in a budget sheet. My husband and ...