Thanks Jan I didnt know that

Hi Melanie I dont understand wouldnt we loose our house I thought we would have to give it up and leave

The full story :My wife and I work a 3days on 3days off 12hr shift pattern we are on different shifts so for the past 10years we have seen each other from 8pm until bedtime (early when your on 12hr shifts)and then 1 of us wakes up alone again for another 12hrs no weekends or b/holidays together as a...

My wife and I have disscussed going B/C and were prepared to do it to get our lives back (this is more than just the money I will explain on another post) We still might if our parents offer does not work. Would we be able to tell Northern Rock this at the creditors meeting as they have our Mortgage...

OOP's missed off my overdraft £3500 (but still £46000)

Hi all thanks again for the info it does feel good sharing on here. Just for the record here is my full list of debts. northern rock £26650 virgin cc £975 cap1 cc £2119 barclays cc £2832 Sainsburys cc £2699 Lombard £5974 hfc £580 loyds £329 next £350 Just over £46000 more than we thought never seen ...

Hi Just been looking around and I see that northern rock dont like IVA's is this still the case as they will be my biggest creditor

One more thing my main creditor is Northern Rock are they still blockin all iva's

Hi Guys thanks for the replies I have spoken to a David Godard at clear debt this morning and feel better already going to speak to a few more people to get all the advice I can

Hi Thanks for the replies Our house is worth around £150000 and we owe around £162000 so that wont help anyone. My wife really will have to give up work sooner or later so this may be a way forward she I will contact you tomorrow Melanie I have been looking at your advice for months and its good tha...

Hi been reading this and other sites for a while now and its great to see how everyone pulls together. Here is my questions. My wife and I owe around £45000 to various loans and CC''s. Our debt increases most months as we try to make ends meet we have never missed any payments and have perfect credi...