just wanted to add/ask as we are due to fill in our I&E after our 1st year. We are really struggling & just can't work out what else we can claim for, I know what I need to buy uniforms & school shoes, winter boots & coats for 3 small children who have to walk everyday to school, & then food - we ar...

2 years ago husband & I decided that I could quit my career & become a sahm to our 2 small children as he had been offered a promotion & although we would be effectivly dropping my part time wage his extra money should help cover it. The new money just raised his basic over the £44000 but with the r...

oops sorry about the link - new to all of this [:I]

We are with freeman jones & the paper work that arrived yesterday from the other company is from IVA Debtline. Looking again at their letter they want £350 a month from us (the IVA is £400) for 4 months & then £600 to the court for bankrupcy...... *I've removed the link - we don't want to encourage ...

ST1100 - the other company sent us a letter about our IVA - how do you know who are the bad companies then?

I had the house valued by 2 estate agents yesterday & it's worth the same as what we paid for it 3 years ago. We are on an interest only mortgage & have a secured loan of 30k for another 25 years which is anither £300 a month we struggle to find. I sound like a right whinge bag!! I'm not always this...

What is a revised I&E? We will speak to them, the other company said not to pay them for 3 months & then freeman jones would have to take us to court & we could then prove how unsuitable the IVA was for us in the first place. Thanks for the replies, I only found this forum today & will benifit from ...

We just can't afford to keep doing this every month. All bills have been paid & we have £70 left in the account after needing a big shop - with 3 little mouths & 2 adults to feed as well as new school uniforms last month etc. I have put their payment aside for now but I will have to use some of the ...

first post here. We can't afford the payments & every month is a struggle that is just getting worse. I have cancelled the direct debit & going bankrupt looks to be the only solution but I just don't know who or where to turn to. tbh I am scared to ring them (freeman jones) & could quite easily go &...