hi, we contacted the CAB at the end of 2010 after I found out my husband had a huge amount of debt. the CAB were very helpful, until that meeting we'd never heard of IVA'S or even basic bank accounts. the money advisor we saw told us," we normally refer clients sutable for a IVA onto Grant Thornton ...

glad it helped you,big hug. it ALWAYS ALWAYS helps to know you're not alone. we did a F&f IVA with Mel,this time is stressful. i agree with Mel & Michael, your IP wouldn't want to put it forward,do all the work for it if they didn't think it'd go through. posting for support really helps. you're gon...

hi, when you're in a dark place you have to cling on,hour by hour if need be. your offer clearly shows that the creditors will get more in the pound return if they accept your offer than they will if you are forced into BR. they WILL SEE THIS, take hope from that. we all feel we've let family,loved ...

that is good. credit still scares me but it's something we need to think about as we'd like to move in a few years.

what wonderful news for you both, now you can concentrate on your baby. well done to you both & McCambridge. it's only on acceptance you realise how very stressed you've been. hope you'll manage some small treat to mark the day. take away maybe? post how you get on with Freecycle for baby stuff. my ...

hi, thinking of you both. hang in there x

that is great news! a lot of people are going to be happy to read this[:)]

Mel was our IP too. take time to read everything carefully. good luck[;)]

i agree/understand that foggy. we found some old notes we'd made last yr when starting the process. Payplan (if you come into windfall) take a extra % on top of clearing the debt.

there are no "charity" IVA firms as far as we're aware although the CAB do present Playplan as a charity.

wishing you well for the meeting.

Freecycle is brill. try registering in more than one group.

here's hoping to happy post tomorrow[;)]

our 1st conversation about a IVA was with the C.A.B .
they told us they normally refer clients onto Grant Thornton or Payplan. these firms DO have a fee.

we are glad we chose to use Melanie Giles in the end,with recent posts even more so.

hi, first,big hug. if your daughter is getting DLA you might qualify for help from the local council with getting into lower ground council accomidation/a bungalow. your GP/independant living team might be able to help you,worth a call. i'm not sure about the taxi plate. please hold on tight,experts...

Michael, food for thought,thankyou. this is exactly why i said in a earlier post that you are missed when you're un able to visit the board.

it is something we'll bear in mind when we "re fresh" our wills.

the stress must be awful for you. talk to your IP at Payplan, post how you get on.

johnd,hi, well done! you're on your way now! hope you're ok.