Hi,welcome.I'm new too! We are into the second year of our i.v.a and we have actually found we are better off in some ways than before.I always scrimped madly when food shopping but our IP gave us a lovely food budget so we eat better now.We don't have so many new clothes and although we can go on h...

Should i get in touch with my IP and ask how much is remaining to repay to our creditors including a list of individual amounts?Then we can go to my husbands business partner with an exact amount.Would it in any way be in his best interests to help us out?I don't know if he would do so out of the go...

Also,we currently live in a two bed flat with an 8 month old.A bigger house is definitely needed,with a garden.Would we be able to use the increase in wages to fund this?Would this be considered a reasonable increase in our cost of living?

Thanks for the quick reply! I will have to contact our ip about all this,i just wanted to get a few things straight before we did that. If my husbands business partner would be willing to put up the cash to release us from the i.v.a,how would we go about it?Would we have to give 100% of debt owed pl...

I'm sorry,i don't know why my username and pic have changed.I'm a newbie,think i messed up somewhere!

Thanks,that may be an option but i am not sure.There will be no debts associated with the company as my husband's friend is acting as investor. My husbands base wage will result in roughly £35,000 per annum,about double what he is earning now.As i said before we understand that we will have to pay 5...