i will tell you what it feels like when you are having to stop paying your creditors when going for an IVA. It feels like you have escaped from prison and are free BUT!!! you are worried with fear as you are constantly looking over your shoulder. I am going through this feeling at the moment and i a...

Hi Michelle, i think that with credit cards and loans it is like being on a long luxurious train journey but as always everything comes to a grinding halt, which is the situation that we both find ourselves in. My usual way out of this situation would have been to get a consolidation loan and pay al...

What are the chances of my IVA being accepted at the creditors meeting if i could afford £250 - £285 per month when it happens on say £24500 worth of debt. As i have said i earn a good wage ,in full employment even doing extra temporary work but live in council property with no assets. Does this mak...

no i am sorry but the GE CAPITAL BANK debt is for Credit Agreements on a TV and Computer which i took out in 2004 and have being paying £20 AND £10 for 3.5 years and they will not give me a balance on a stupid piece of paper to let me know how much i owe. So i could be paying this off and not know h...

i have been told to wait after christmas and check my post because of the backlog of XMAS mail. This whole process is really stressing me out especially as i am waiting for 1 silly balance sheet from GE CAPITAL BANK to start the proposal stage rolling. I just want to put all this behind me and move ...