I can't believe how quickly the time has gone. A year ago to now I was in financial hell. Not sleeping and paying off credit card minimum payments then using the available a few days later. I pay 166 a month and total over 5 years was 9960 . I don't own my home so consider it just the five years. I actually find being in an iva OK, I'm better off each month. I budget well and don't miss out as for so long I was living with nothing anyway due to my debts being so high. My sister has offered f+f to me although I haven't approached credit fix and she was thinking 5/6 k as an offer.i know we have to say it's a gift but she would actually want paying back it just gets me out of the restrictions of an iva. Am i allowed to pay her back or could they find out? Thanks
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
Legally I don't think your sister would be able to pursue you for the debt as she will have confirmed it was a gift, but obviously if morally you choose to pay her back that is up to you.
You have described where I was until I finally sorted the IVA, making minimum payments, spending the difference, not sleeping. My only regret is not having set it up sooner. Good luck with the F&F, hope it all works out.
