Just need to get some of your thoughts as yesterday I was in a bsolute state, cried so much that today I am dehydrated...lol Anyway I got in such a state as me and my husband have built up 40k of debt mainly due to what we pay on cards is working out to be the same as the interest and we have go no ...

ok so this may well be a problem with me getting it then, thanks

Thanks for that I can see how that works. I got told though that If I do a DMP MBNA are a night mare and will go full hog on collecting the debt right up to CCJ so is it not like a catch 22 what ever I do they wont be happy. I know it is my fault and should have not have got into this mess in the fi...

My heart goes out to you, I cannot imagine what you are going through! Make 1471 your best friend that way you will know if it is your family or not!

Thanks I have a few phone numbers to call this week, and thank you for every ones input,

Further to my previous comments baout how bad GP have been in advising me there was something else in our conversation that really has niggled me all night and just wondered if any one else has had any expreience with it. As we are concidering going down the IVA route we got told I cant do as self e...

what ever you do ring round a few companies. I am in the process of doing this and already i am finding out that some companies will not put your best interests before them making money.

hi Sparklywatcher. I am in the exact same boat as you Just realised my debt as I have been juggling credit cards etc and it has just been building up over the months plus I am waiting for a call to discuss putting the IVA in motion. I still at the feeling a TWAT stage and have not missed payments ye...

Thank you I have sent an email to you Melanie and hope you are able to have a look. I am still in am just getting really wrried that things are going to take ages and dont want my children to affected, why I am so worried about debt collectors etc calling.

Ok as a further developement to my confused status I at an even worse state as I ahve had some great advise on here and the girl called me again from Gregory Pennington to see what I have decided. I put to her my concerns and she is still adament that an IVA will not be an option for me. Her reasons...

thanks for that I will definatly look into the regs on here

The lady got quite short with me at times and insisted I would not get bailiffs calling or CCJs and my husband has even phoned her and she continued this line of information. Plus She would not disscuss IVA with just dismissed it straight away and said nope you are self employed no point talking abo...

thanks

ah did not realise that. I am waiting for the to get back to me about meetings etc was not aware my pending tax will be added. I am in credit with them as I over paid so this may end up being just one big mess! Oh I am just confused again??????lol

i appreciate all your comments and NO overdraft or credit card will ever enter my life again.
I never appreciated my roof over my head till my last mortgage payment bounced and I had to juggle some funds about. They I had visions of kids on the street and allsorts. So thatnk you for the advice!