Some Advice Needed

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Lisa2009

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Post by Lisa2009 » Mon Feb 25, 2008 11:09 pm
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TUT there were no crisps tonight.
http://mrsskint.blogs.iva.co.uk/ 'Our Story'


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cat 1

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Post by cat 1 » Mon Feb 25, 2008 11:18 pm
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you're back soon enough? did it go ok Mrs Skint?
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Lisa2009

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Post by Lisa2009 » Mon Feb 25, 2008 11:21 pm
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It was great. What a lovely bunch.
I felt a bit like a spare part at 1st surrounded by all the proffessional experts but they were all brilliant and it was great actually speaking to them in person.
Oh and Melanie wasnt at all scary LOL infact she really is lovely.
http://mrsskint.blogs.iva.co.uk/ 'Our Story'


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emma_t

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Post by emma_t » Mon Feb 25, 2008 11:22 pm
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OMG mrs skint - no crisps!!

Were there lots there?
Did it all go well?
Be positive & look after yourself, there are more important things in life than debts....

Best Wishes

Emma x
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emma_t

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Post by emma_t » Mon Feb 25, 2008 11:23 pm
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sorry mrs skint you have just replied
x
Be positive & look after yourself, there are more important things in life than debts....

Best Wishes

Emma x
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Lisa2009

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Post by Lisa2009 » Mon Feb 25, 2008 11:27 pm
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We went to maccys on the way so i couldnt have eaten a crisp if i tried.
I think there were about 10 of us, it was really informal and friendly.
I cant believe how nervous i was on the way.....i thought i was going to wet myself i was that scared LOL
http://mrsskint.blogs.iva.co.uk/ 'Our Story'


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emma_t

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Post by emma_t » Mon Feb 25, 2008 11:28 pm
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LOL[:D][:D][:D]
Glad you didn't....
Be positive & look after yourself, there are more important things in life than debts....

Best Wishes

Emma x
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Lisa2009

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Post by Lisa2009 » Mon Feb 25, 2008 11:29 pm
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Yeah me too LOL thats one thing i couldnt blame on hubby
http://mrsskint.blogs.iva.co.uk/ 'Our Story'


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size5

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Post by size5 » Tue Feb 26, 2008 12:24 am
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D'oh!!!

Would have reminded Andy re crisps if I'd have thought, feeling peckish now.....
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23+ years in debt advice
I do not post for anyone other than myself

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MelanieGiles

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Post by MelanieGiles » Tue Feb 26, 2008 9:26 am
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The first thing to consider here is the mortgage - as this effectively provides the roof over your head. If the deal offered to you by Northern Rock is not competitive, then it might be worth shopping around to see what else might be on offer - and to this end I can recomment Tony Parsons or Andrew Graveson who both regularly post on the forum and are independent mortgage brokers who can find the best deals of the market.

Once this side is sorted out, you will then be in a position to consider how best to deal with your unsecured lending. As a chunk of this is with Northern Rock, who may not agree to accept an IVA, you will need to take specialist advice as to the options available to you at the appropriate time.
Regards, Melanie Giles, Insolvency Practitioner
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