Hi I am in IVA just coming to the end of year 1. I have got to the payment stage with good quotes and before I proceed it brings up all the small print about bankrupt, CCJ etc but no mention of IVA. I am tempted t just go ahead and purchase but wonder if they credit check after and the insurance bec...

Hi again, quick update I am having a nightmare! My IP has told me there should be no reason to not get car insurance on D/D payments monthly but everyone I am trying is declining me including one rude sod at Aviva who made it clear it was a credit agreement so I was not permitted to pay monthly but ...

Melanie, yes, almost a year, how time flies! Thank you for your advice, I did find it strange how they questioned this and wanted the full payment up front as you say, it is more pay as you go but I suppose they advertise an APR so its credit in a way but miss payment insurance is invalid so they ca...

Hi all, long time no speak, I hope you are all well. I won't babble on too much, so here goes ... I have now been in my IVA for almost a year and touch wood no problems as I have made provisions monthly for car tax, MOT etc. Now, my car insurance is up for renewal next month so I thought I would get...

Hi all - hope you are all well. I would like to ask a question that I hope you can help with if I may. I rent my property and have been here for just under 2 years. I have a feeling that my landlord will be selling his property shortly so I will need to find somewhere else. My question is, now that ...

Good morning everyone - I have not posted for a very long time mainly because I have been very busy and my laptop died on me! Well, I am now around 6 months in to my IVA or 1/10 through and it has been pretty smooth so far. I have struggled a little over Xmas and New year but because I was prudent a...

...after all, we all need cheering up at some point during the day! Evening all - this one will tickle you! So, after a period of around 6 weeks with no correspondence from my creditors and the IVA going well I get a call today at lunch time at work on my mobile from ... you guessed it ... MBNA Now,...

Thanks all. If my comments help just one person that will make me happy. years of misery is now being sorted thanks to a wonderful IP and help on this site. In addition to this I have slight OCD so you will laugh at this. When I look at my on line bank account which is my standard account and contin...

Thanks all. The first 2 months were tough as I was not sure where I was with DD's and changing accounts etc but for those considering the IVA route IT DOES settle down and get better. I am off out for a meal with my parents later and normally would pay by credit card, now its on my debit card and pa...

Good afternoon everyone, I hope that you are all well. I am now in month 3 of my IVA and I must admit I have never been happier. For the last 3-4 years pre-IVA I have been miserable and worrying where the next £ was coming from to pay my creditors but now after 3 months I feel a lot more settled. A ...

Best wished from me, had mine last month and it went through with a very minor variation of another £10 p/m.

As has been said before your IP would not put it forward if they did not think it would succeed.

Best wishes and tomorrow is the start of your debt free life!

Thanks all.

Right, I am off to Tesco's to do some shopping on my DEBIT CARD hee hee!

Can you blog on here? If so I would like to know how to set it up - never done anything like that before

I guess we all do but I do quite a fair bit. On the one had I think it was sheer stupidity of my creditors to keep lending and lending to me when they could see all I was doing was paying one off against the other and making minimum payments but on the other hand I also feel that I should have been ...

congratulations from me as well. I am in to month 2 and feel so much better with no credit available. Its not there so I cant spend it and I know where I am now. Sure its a struggle sometimes but I am not doing without - just means when I want to do something that costs a bit more I have to save now...