Thanks for the replies although I really dont know if what I have spare at the end of the month will be enough for an IVA. Is there still a minimum of £200 per week?

Hello yet again, I joined , and took a lot of advice from this forum a couple of years ago. Many of you may of thought your advice fell on deaf ears as I was hell bent on getting my IVA thru as soon as possiable which did happen due to unrealistic figures, allowances and unfortunatly also due to the...

One that listens, does not try and twist your figures to fit what they want to your budget to be. Please dont rush into making a decision it needs to be thought about and chewed over. If I was to do my IVA time again and readsing on here Melanie Giles , Michael Popples and size 5 would be people I w...

Thanks Julie, Still feel the egg running down my face at the moment so dont feel anything close to advising on anything. But I may write a blog once I have everything in place. I am now trying to save the money so I can petition for bankruptc. I have spoke to a leasing compnay called nationwide and ...

That is a consolation in itself. If what I go thru can help a few people slow down and seriously consider their options then it makes me feel a tad better. On a lighter note I am still enjoying being thrifty still loving my baragin make up purchases! My skin has not fallen off my face for using £1.9...

Melanie,

If I have learnt one thing out of this whole sorry affair is that they are commission orientated and that information is powerful. I am just full of regrets.

thank you for your time Michael. I have never spoke to IP as I cant get past the account manager.

I was led to believe you can not talk to an OR until your interview once you got to court.

Money debt and credit wont be "assisting" anything

I think my head is on fire!! Having spoken to Money, Debt and Cedit My IVA account manager has told me to phone and tell him within 2 weeks to let him know if I am going to try and stay with the iVA or go bankrupt and sitting down working out my income and expenditure with my drop in tax credits nex...

thanks skippy, I have been reading your blogs Skippy. Can I be nosey and ask about your car....yes it is the main thing that worries me. Was your car on hire purchase when you were granted exemption? I was going to ask if my sister would pay my car off but had a conversation with insolvancy service ...

I joined the day I got my date for the creditors meeting. By that point I was still looking thru the rose tinted glasses that I could make it work. You did at the time though Mel comment on how fast it was going as I thought they were the doggy nadgers for it. I still stand by what I said though and...

Thank you Michael and Melanie, I have spoke to my account manager and told him that over the weekend I am going to tell him what I can afford yet again I told him about child care concerns, he said they have a bankruptcy dept that will get in touch to have a chat too with me. Yes Michael my major co...

My car is worth around 4K I think owe £4,770 on it. It was national debt line that told me I wouldnt be able to keep it. My missed payments got swallowed up in other costs and I paid one month that I thought I could afford this month my car broke down so that is the third one swallowed!! Just at end...

Hi Helen, I am in rented accomodation which is long term through a friend so no tenacy aggrement for me to breech. My major concern is my car I can not live without a car I have lived here for 6 years and only managed a year after my hubby left before I HAD to take driving lessons at the grand age o...

To those who may not of seen me post on here and those who have forgotten that I have posted on here I shall start at the beggining of my desperate situation. Just under a year ago I ran out of credit that I was robbing Peter to pay Paul with and my reality check came when I had got paid and two day...

I am a civil servant for the MoD.

I didnt want to say at first but sod it!! In for a penny in for a pound!!