Hi Lem, we are like you at the very start of this, I can relate so very much with your post and emotions. I found out a few weeks ago that we had huge debts,hubby had been juggling it all,had taken cards and loans out I knew nothing about. Ahuge shock! from reading here I knew we needed to open a ba...

Hi I'm new to all this,so forgive me if i'm wrong. we've got a basic bank account with CO-OP, used it to pay in Asda and 1 or 2 other shops ok. I heard of a card you can put money onto(top up) like a debit card,you can only use what's on the card - it's not a credit card. Do any of you "more experie...

Hello Melanie, we have spoken to Tina tonight,thank-you. we're are both feeling "wrung out" now & drained,difficult but it had to be done,hope we sleep,night night.

Thankyou for the feedback,it all helps. did you do a 5 yr IVA with Grant Thornton or a F&F settlement?

Hi Melanie,we aren't really sure what happened but we didn't manage to talk to anyone yesterday. It's been re arranged. thanks

Thankyou,waiting for our telephone call with Melanie Giles' firm later today,bit nervous!

thankyou for that reasurance. it is difficult feeling so vulnerable at a time so stressed,when we as in the general public approach anyone for help with serious money problems there is a great deal of trust involved.

Hi,we've got telephone appointments set up with Melanie Giles' company and McCambridge now. all our paper work(that we can think of) is together ready. If we can't manage the amount to do the F&F iva to settle the debts i'm worried about allowances for things like heating,i'm disabled.my gas fires b...

Thanyou.

Another question, if the CAB receive donations from Grant T. does that mean the fees charged are increased in anyway to cover donation's/refer? The CAB have been very helpful to us.I wouldn't have know where else to go for help. Deciding who to use is difficult having no past experience of this. I f...

Thankyou for the replies. The CAB told us they usually direct people towards Grant Thornton or Payplan,for us they're saying Grant Thornton. I've looked at the review site,they don't appear to have many up to date reviews as others do so feedback is helpful.

Hi, the CAB are encouraging us towards Grant Thornton for a IVA possibly a F&f if my parents can help. has anyone any feedback on this firm? There aren't a lot of reviews.
thanks

Thankyou for your replies. I feel as though I'm walking in a mine field. Things are very tense at the moment. We intend seeing what the CAB say in the next week but we plan on ringing another 2 or 3 before we decide.Please can anyone advise what we need to ask besides fees? I expect Christmas will s...

Hi, not really sure where to post. my mind is working overtime with everything i'm trying to take in having found out a few weeks ago(my husband had been hiding things,feeling he could "sort it out".)that we have so much debt. We went to the CAB who are helping us,we've seen a money adviser and are ...