Kate.k8 - trust what the others say - I know its terrifying and you're about to take the plunge but we're all here to help you and once you have made the call you will feel better and like many other I woudl imagine will then think "why didn't I do this sooner"!
Glad you found the forum - its a great place to start and everyone on here will be invaluable in supporting you along the way.
Regards, Tina Shortland, Debt Advisory Manager for Melanie Giles at Debt Advice TV.
If you’re looking for effective debt related information, articles and news, then go now to our on-line advice service at www.debtadvicetv.com
If you’re ready to ask us for specific advice or help, then get in touch at www.call-me.debtadvicetv.com so you can start to free yourself from the stress and anxiety of overwhelming debt.
I can only agree with the comments that a problem shared is a problem usually solved. Many of my own clients tell me that they took weeks or months to pluck up the courage to call, but you will rapidly know that this is the right thing to do to hand those problems over to someone else to deal with for you.
If you wake up feeling ill one morning you may just have a day at home to see if the issues passes. After another couple of days you may go to the chemist to get some medication to help, and if the problem persists you will eventually go to the doctors - who will be able to tell you what is wrong and set a course of treatment specific to your ailment. Debt problems are actually very similar, and once diagnosed and a course of treatment prescribed, you will then get better.
Hi Kate.k8 and welcome to the first steps of a brighter life. I am not sure whether I am allowed to write this as I know there are loads of really good companies out there that will help you with your debt problem, however, I can recommend Melanie Giles and her team 100% from first hand experience.
I thought I was alone when I first made the call to Melanie, there was no-one out there with debts as large as mine, and no-one could possibly have felt more ashamed than I did, and I truly felt that the people on the end of the 'phone talking to me were probably thinking that I was another irresponsible idiot who had overspent and got myself in trouble. Well, how wrong I was. By visiting the forum and getting some wonderful advice before making my move to call Melanie, I realised that there were many many people out there with problems as large and worse than mine. Melanie was completely non-judgemental when I spoke to her, and she made me feel so much better. When I put the phone down after speaking to her, I actually burst into tears, because I was so relieved that someone had listened to me and was prepared to help me when I was feeling so desperate. So think carefully about which company you go with, whichever you choose will be the correct one for you, but I would recommend giving Mel's team a call, just to put your mind at rest for some real sound advice.
Best of luck with your journey, I am sure you will soon feel a whole load better.
Kazzy x
There is light at the end of that dark tunnel. Promise.
I would recommend Debt Free Direct; they have been great with me amd when I had a problem ie 1 year in I lost my job and buried my head out of panic, but then got another job earning alomsot 50% less, they helped me with a variation and yes the agmnt was extended by 12 months + 2 months for arrears, but this helped me avoid being made bankrupt.
Reviews are fair and completed very quickly ie posted all info back on Friday and they rang me on the Weds morning to say all ok.
Couldn't wish for a more understanding & helpful IVA company.
Best of luck
Last payment made April 2012
Certificate received 1st Nov 2012
well, you have made the very first step now, and once you make the next one you will far easier, and be able to sleep. Very best of luck, I jsut wished that I knew about this site when I first started, but not I've found it wont let it go. I'm sure your be OK, shame about the CSA not lowering your payments though. Let us know how you get on
animaleyes76 wrote:
Just remember that VB charge 2 months fees for their help. Some people will appreciate the help, some will want to go directly to an IP.
They didn't charge me a penny.
Otherwise known as "Tom". [:)] IVA proposal currently being drafted by Liberta Financial.
Vincent Bond do come recommended on here but they do charge as they will do the initial legwork and pass you on to an IP.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
