My husband was granted some Restricted Stock Units when he joined his company and some are available to sell. If we sold them could the proceeds be used for a lump sum payment to settle our arrangement? I know normally share proceeds are treated as a windfall but given that these were gifted by the ...

There isn't a lot more any of us can say. I feel for you. It's so easy to get lost in imagining the worse case scenario. Try to live alongside your money worries and fears. Go for a walk, get some more sleep, give yourself a break. Many of us on here have felt worried and anxious and couldn't imagin...

Ox - you would have to be pretty unlucky for all of those things to happen to you!We all have dark days, some many more than others but as I said, keep looking at your kids and seeing them as your driving force, your strength, your reason to make it all right.

Totally agree with you Clare.

Ox - definitely under 20p in the pound after costs.

Or Freecycle, Preloved are also good sites for free/cheap secondhand goods

Ox....sorry I haven't been on here for a long time. We commenced our IVA in July 2010. We have 3 young children who were only 6,4 and 2 at the time and I completely understand how hard you are finding it. I remember thinking how we had let the children down, how their future was so unsecure, what if...

Thanks Lesley, me too. I remember starting my IVA and you being a big presence on here even then. You must have been around the same stage we are at now!

Hi All, I hardly ever come on here but just wanted to touch base and give some support, words of encouragement etc. to those just starting their IVA journey or trying to make their way through it. We entered into an IVA in July 2010 so I am glad to say we are nearly 3 years in which I can't believe!...

My partner recently took a new job and we are in an IVA - I believe a number of checks were done, including a basic credit check - we held our breath and they still offered him the job (although it isn't dealing with Finance). As TheMatrix says, financial positions are often viewed differently and y...

Hi John - we have a property and the rental income is accepted as part of our I&E

Just to update - we had a positive outcome - as we had increased payments anyway, our payments have been reduced down to the original payment schedule until we get a tenant - so we can get by without going to a variation meeting. IP was very understanding and it was all surprisingly painless!

will do

Thanks for that Kazzafunk - I never get to actually speak to IP but they have a reliable team who feed info to and back from them to me - and always by email as I am never convinced unless I have it in writing - there have a been a good few occasions where I have been told one thing and then they sa...

Thanks Jan. With a payment break do they add on extra payments at the end of IVA? We have more than doubled our payments since we started at husband was lucky enough to get a better paid job so am hoping this would go in our favour. As you say, need IP to come back to me - bit of chasing methinks to...

Lloyds TSB also provide accounts for those with a less than perfect credit rating.We have an interlocking IVA and it wasn't too complicated to put together