Do You know you can convert Tesco points to "Airmiles" as well as getting Airmiles on paint/funiture etc - using the e shopping.

To sign up to Airmiles is free.

Have Used the airmiles on BA flights and even car rental.(no and i dont work for them)

The chain email refers to a service (operating on (*phone number removed) that was shut down by PhonepayPlus (then ICSTIS) in December 2005. PhonepayPlus subsequently fined the company that was operating the service, Studio Telecom (based in Belize), £10,000. ' The service is no longer running and h...

Hi Flow I personally found,even after 8 years we still work with a cash budget to shop with as some of our local shops have a minium transaction of about £5 on debit cards, so the temptations to spend at least £5. Although we do use the credit card - this is paid off each month. We moved house about...

Coolconkers If your partner has just been presented with a large bill, for usage over a year ago - have a read at the below ! If your supplier is at fault, and you do not receive a bill for more than two years, then from July 2006 any outstanding debt that relates to energy consumed more than two ye...

The postive thing about post IVA - it make you more aware of your spending habits. personally even having Credit/Debit cards now,we still use the pot of "real" money for the weekely shop. And when i am tempted i think back to during the IVA. No one is going to say the IVA is easy - its not. My only ...

Nomoredosh -

it may be worth just checking your husbands work contract regards sickness and salary. If you husbands health is being affected it may be better if his GP signs him off Long term sick for a few months.
You may find his salary is not affected short term.

2 X Lhasa Apso(2 years old) and an ageing Westie(13) Cat is a rehomed moggy

Nice bottle of wine,(no it does not need to be expensive)watching a favorite DVD in front of the log fire. what more do you need. Mind you in our house it tends to be the three dogs and Cat as well !!!

So to the point of my question. Its possible a family member whos come into some money might be able to offer a lump sum on the condition its accepted as a F&F by my creditors. I would simply continue to make monthly payments to my relative instead of the IVA. Less stress for me and the F&F will (i...

Hi Johny

You may find that due a family history of heart disease, this will be excluded from any private health policy. so worth checking around. You may also find that certain policies will only pay out if the treatment is not availible within a time frame on the NHS

Thanks Liamjames for the kind comments,it was not easy, but it is a hard lesson to learn about your personal spending patterns:-) But more importantly it about accepting personal responsibility, and not trying to blame Banks.Credit Cards etc etc. I personally found once i accepted this, i was able t...

Another bank worth trying is Clydesdale bank (all part Australian group of banks)Application is done over the phone so they are able to give a quick decision

Lisa.76. Yes it would be advisable to open another account with a bank that has no interest in your debt. If you keep the account that you currently have then your bank my offset their debt against any monies payed in. There are a few banks that will accept you for a basic account. The Co-op, Yorks...

Thanks Guys for your kind words - weather here, over the last few months very cold - but not as cold as some areas of the south of England.

Mind does not matter about the weather- nothing we can do about it!!!However there is something calming about watching the boats on the Loch from you sofa [:)]

Trust you dont mind me posting on here - but have been using/reading your posts over the last few months. It has been heartbreaking at times with the depth of despair some people have been in/are in. Myself i entered an IVA with £42K of personal debt after a breakdown of a relationship - was left wi...