I have this morning applied for the Co Op cash minder account, thought best to have it in place for moving money to and paying bills from. work have already done payroll for this month so it will be end of April wage I get paid into new account. I guess I will let Non Debt DD's go out of existing ac...

Once again thanks everyone on this forum and Melanie and Tina. When I was on the phone to Tina she asked how I was feeling at this point, nice to be asked I thought, my answer was: Its like when i went paragliding in turkey, you run down a rocky slope towards the cliff edge and jump... just hope the...

No no reason, I could just pay the IVA from my own account and then put the rest into her account for Direct Debits

She just told me now, we are on the mortgage together.

Could I have my wage paid into her account and pay the IVA out of it?

I could manage without an account, The wife is taking over running the finances now lol

My wife has applied for a new bank account, she is not included in the IVA. If approved she plans to add me onto it before the IVA starts and then this will be our account for wages in and payments out. Hopefully this will go through ok and then I can take her off the old account, move the direct de...

Spoke to Tina from Melanie Giles, Brilliant.

Got a list of things to do, starting 2morrow..

Waiting on a call back from my chosen IP, number crunching time I think, lets try and get a proposal together...

Forgot to ask what is taken into account on the review as in what receipts do I need to provide etc.

My wifes monthly wage can fluctuate aswell.

Evening all.

My head is spinning but I am on lates this week so I will be making at least 2 phone calls on monday morning and looking at starting a new bank account.

is it good to switch or can you phone up utility companies etc with your new bank details for DD's?

Right then, this weekend is family financial planning weekend ad then we will be fully armed with all facts and figures for any consultations. This has to be done properly, so glad I came on here!

like I said, they were very keen to help and I only asked for info and they sent me forms to sign and date and a standing order form for me to start paying lol thats what prompted me to come on here, I have the basics understood its just making the final leap

I got talking to Mymoney group, I will take a look at the reviews and talk to a couple more.
Want to get my facts right, not rushing.. thanks

Hello everyone, after a year of financial struggle juggling credit cards and a tight budget we have come to the conclusion enough is enough and we need a clear plan of action to sort our mess out. I have had an initial consultation with an IVA provider who promptly sent me all the paperwork to sign ...