lots of good luck Lisa & dunkynuts. waiting feels an age but you will get there xx

Red, your hubby sounds very loving, just like i love my hubby. guilt is a terrible emotion,it can be harder to forgive yourself sometimes. my husband still beats himself up about it sometimes but i know he feels much better. we all have regrets in some way,that's part of life. the IVA is a fresh sta...

hi ditzydoodle, just ask at customer services in Asda - it must be a christmas saving card to get the christmas bonus - if you get a set amount on by November they'll add a free bonus on- about £6,buys a few extra treats. morrisons do saving stamps. i think tesco have a savings card. anglerainbow,i'...

what about patchwork? a cover for a bed made by Nana would be a treasure.

a scrapbook/memory book made up thoughout the year,easter,baking,birthday photos,trips to the park,
"a book all about you".

a dolly with lots of knitted clothes.....the list is endless.

lem, your little lad sounds lovely! hope you're taking lots of photos, precious times! if you haven't got a bike put a ad on the freecyle site,you could go off for rides together. ditzydoodle,we've started a supermarket saving card off for Christmas,it makes such a difference. we try to pick things ...

hi Red, big hug. i'm the other side of the fence,a phone call one morning as we lazed around in bed brought the sky in on my head. i'd paid for something online,they rang because my card failed, as i took the call re trying the card i knew by the horror on my hubbys face there was a problem,i felt s...

... now you can breathe again[;)] x

hi again. sorry if my post sound like repeats,understand your frustration etc.

the aim of my posting is to BUMP your thread up the list.

PAYPLAN shame on you for not dealing with your client like a human being,the stress must be dreadful. all very negative publicity!

BUMP!!!!!!

the CAB will write to them for you, make a appointment,explain about baliffs- they'll see you quicker then.

hi, we've been thinking of you. glad you posted about PAYPLAN again,this is awful.

makes us feel so glad we didn't use them(we went to the CAB 1st,they refer people onto Payplan).

thankfully we researched & went with Melanie Giles.

come on PAYPLAN.this need sorting out!

mrs h,replied to you on another thread. the stress of worrying about rejection probably puts the register into perspective for you right now.

you've had a lot of extra worry with mr h beeing ill - look after yourself[;)]

a weight off you both!!! [:D]

I/we felt just the same,it is horrible. we're off it now but i printed it off- our names etc, a reminder to stay away from credit! this whole experience has taught me so much about not judging! we all know how stressful this is & what courage it can take to sort our "mess" out. just keep going now,b...

tobymoz, i am so pleased you went to the Dr![:)]. agree with other posts that lot's of folk tackling debt hit a depression(of some level) at some point. i felt it's when your spirit gets tired. coming back up can take time but you will get there. great tips from Broke. the main thing with drepressio...

me again! just checked Martin Lewis site, lots of BR threads. the form i mentioned is a Deed of acknowledgement. the advice seems to be don't sign anything. you'd be liable for council tax untill it's repossesed but the council will give 6mths grace while house is repo. will be thinking of you,post ...