Thank you so much for all your advice. This is another sleepless night for me hence the lateness. I will have a good read on the sister site perhaps there may be a person there who has been as silly as me? Or at the very least will know I feel and perhaps offer a little guidance. I have changed my b...

Thank you for your kind words and congratulations on your achievement. I want to think there is a light at the end of the tunnel but its hard to see at the moment. It is mainly the shame of standing up in court and having my problems aired that bothers me more than actually being a bankruptee. I'm a...

Hi Mazbrown, No they wont, I have spoken to a few and they have set figures to clear debt. I offered less but they refused. Also without clearing these debts completely my iva cannot continue as i would not afford to pay iva plus paydays. I don't know how i can save up money for bankrupcy petition e...

Thank you for your advice. I will take a look at the other site.

Michael, do i wait for the iva to officially fail before i go to CAB? I am presuming i need to show them a letter stating its failure. I thought everyone has to stand up in court if going bankrupt? I have ignored the calls from paydays even though they call my workplace. I do not know how to deal wi...

Thank you Micheal. I don't know where to start as I actually dont have enough money to save to petition. DFD has put a note on my files and they were sympathetic and honest. But, what do I do now? I have changed bank accounts to stop paydays from emptying my account. They want their money plus inter...

Hi, i am renting. i have just got off the phone with DFD and I am very sad to say that they have advised that I go Bankrupt. I do not have enough money to pay into the iva and pay off my payday debts as they cannot be included and would have to be paid seperately. What a mess! I dont know what to do...

Thank you all for your replies. DFD are calling me today to talk through my situation. I am terrified that they will fail my iva. My iva arrears are 4mths. I owe about £1700 in payday loans. My situation started with a death in the family and the expense of travelling then i was injured and had to t...

Hi, I am so worried as I am certain to have my IVA failed. I have also incurred further debt with payday loans to get my son out of trouble. I have moved house and wrote to my IVA supervisor to inform them also asking for a suspension in payments as would be unable to make the payments. posted anoth...

OK, that was easier than i thought. X

Hi, thanks for your replies everyone. I've got my dog back and before I saw your message kallis. I had a ring and sold it to get the money for the fees. I'm going to go and try to add you to frugal friends lol! I don't know how but i'll give it a go. I am trying to encourage my son to join the force...

Hi Everyone, It's been ages since my last post and I'm 5 months into my IVA. This is what's happened since my last post. My 17 year old son has got into serious trouble with the police which doesn't bode well when looking for work. He's not been to court yet but that will happen during early summer ...

Hi Everyone, I've not logged on for a while because my pc decided to die on me! It became unstable and I did a partial restore on it but now it can't install windows. I don't have any recovery discs for it and I can't afford to get it seen to. If anyone can help by giving me advise on what to do I'd...

I've never been much of a reader unless you count magazines lol! I'm more a movie buff myself. Last book I read was Harry Potter and the half blood prince. I used to love a good horror read like Moon, the cottage, the dark all by the same author only I'm struggling to remember his name he also wrote...

Thank you Mel and Kallis. So, if it was you would you sign the chairmans report? As Kallis asked, what happens if I don't sign.