Thankyou for your posts Fergiedoggy. It is a hard time, but its nice to know we're not alone. [:)] me and my partner have decided to take it in turns to answer the calls, as most of our debt is in joint names, so we can do this. Good luck with your calls mikepapa, we'll all get there in the end and ...

Thanks [:)] Will carry on putting a brave front on and try to keep them informed and tell them the truth. I'd rather they know I cant pay then won't pay, as I know its our fault we're in this mess and not theirs. Thanks very much for your replies [:)] its a relief to know there is such lovely suppor...

Hi I was just wondering if anyone could help me with what I should say to my creditors when they phone. I get really tongue tied and end up like a jabbering wreck [:I]. Has anyone got any advice on how to get the phone calls over with quickly and effectively so they don't phone every minute of every...

I've heard that Natwest are quite a "friendly" creditor.

Fingers crossed for you

Ooo I didn't know this. So what happens? Your Ip asks the creditor to claim a payment within a certain amount of time, and what if the creditor doesn't do it in time? Does this ever happen?

Hi, I have to pay my credit card bill soon, but can only afford to give them £5.00 towards it as a token payment. the only thing is that I haven't got a cheque book. If I ask my parents to write a cheque out and I give them the cash the credit card company won't be able to take any other money from ...

We have about 38000 debt and £30000 of that is with NR. I'm worried are they likely to be awkward?

Thank you.

Thouught the same as you Kallis3 about Eurodebt. Will give them a miss!

Hi Have just thought of 2 questions to ask, firstly has anyone heard of Eurodept. They have approached us today offering an IVA, but not sure whether they are ok or not. I looked on IVA.com and couldn't find them[?] Second question, we recently brought a car on HP and its probably worth about £8000,...

Will do thanks for advice

[:D]wish I did have a porsche. I'd sell it straight away and pay all my debt off! [:)]

Our debts are £38000ish Our DI is under £200 a month. We do have 2 cars as we both have to get to work. I have a 1 year old daughter so would rather not lose our house.

Hi, sorry barge in! What is a managed loan?

I haven't spoken to any one yet. Have not plucked up the courage!

Do you know what the lowest monthly payment would be acceptable for an IVA. Does it depend on the amount of debt?

Hi I was wondering what the process of bankruptcy is? Do you lose your house, even if its in negative equity? does bankruptcy stay on your credit file forever? Will you ever be able to get a mortgage again? Sorry for so many questions, but been looking into an IVA and don't think that we have enough...

Do more IVA's get completed then fail or is it the other way round?[:)]