For me I had a mortgaged property an IVA was the only realistic option for me. So many calls, letters and threats of court action, I can remember one weekend where I tried to kill myself due to all the stresses of my situation. I still take each day at a time, and really look no further forward than...

Yes, I told the asked the person who was doing the clearance and the advice was to put it on the form voluntarily.

Like I said it was far more important to be honest and upfront and not try to hide anything..

The answer is you will be fine, I am 2 years into an IVA and have just had SC Clearance come through last week. However it is very important that you declare it on your form, if you don't and they find out, it lends strength to the argument that you are trying to hide things. So be up front, put all...

Hello

Please take a look, spread the word and sign up.

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Thanks.

I am in my 1st year of the IVA, I try to see the payment as the same as a loan or credit card bill and not to see it as some kind of mill stone or punishment for poor spending behaviour in the past. There are many many people paying larger amounts each month just servicing their debts or falling fur...

HI,

I recently changed my landline and internet provider from Orange to BT without any issues and I am in an IVA.

Hi, I was in exactly the same if not slightly worse situation before my IVA. I had a charging order against my property and threat of more court action. My IVA is with Melanie's company and not only did they get the IVA approved they also manged to get the charging order revoked and all other legal ...

Can anyone explain how expenses from work are treated in an IVA, such as Petrol & hotel.
Is this money not included in any IVA payment calcuations.

Thanks as ever.

Andy,

I think this is positive move, it will be good to hear a balanced view.

Congratulations from me.

Hi, How do you get an invite for this... Thanks Hi all, My TOP tip is join the National Shopping Monitor at: http://www.nationalshoppingmonitor.com/register/ Basically, you get a hand held bar-code reader which you plug into your phone line. Every time you go shopping, when you get home, you zap the...

No its perfectly legal - thats what the Blood Transfusion does (they sell to the NHS)

Certain places will offer £80 for blood donation..

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Does anyone have any information on this group.

They seems to vote on behalf of creditors at IVA meetings ?

Tried to look at their website but its a bit vague.

Thanks

Hi, my IVA was recently approved and I have just seen my details on the insolvency register for the first time.

This is quite scry, it confirms everything in black & white and out in the public domain.