After chatting with my wife we have just stopped both the IVA and MORTGAGE payments with the bank so the way forward no matter how difficult is BR and another home!!

My son is 21 now and I had not heard from the CSA for about 8 years!

My issue with them is the amount they say is way to high and not that I do not owe some money as I know I do!!

I do not understand why they will not let me pay over say 10 years instead of about 3?

I spoke to my IP and it seems going BR is my best option!! They did say that because my house in todays market is worth less than what my mortgage is that i will still get to keep it! Although this is good news to be honest i am ok with having to give it up and go back to renting of the local counci...

Thanks for your reply!!

The problem is that our iva is £215, Mortgage £353 & CSA payments will be £238 and i get just over £900 a month wages and my wife gets just £160 a month part time!! It is hard to see where any money is left out of that for us to live on!!

Hi Guys, sorry for taking so long to get back!! The CSA have been back in touch! They say i owe about 8K which i believe to be wrong but as i have had dealings with them i know they are so ruthless! Correct me if i am wrong but i have set up an IVA a few months back but as the CSA have demanded £238...

Hi it has been about 8 years since I heard from the csa and to be honest I thought due to the 8 years without hearing from them that I would hear no more! The worrying thing and what really annoyed me is they rang my work who I have been with for a year and said " this is the child support agency do...

Hi i started my iva lst June this year but now the CSA have been in touch saying that i owe about £5000. My son that i used to pay for is now 21 and about 8 years ago his mum somehow cancelled things with the CSA. They said i owed about £5000 about 8 years ago and have now just tody got back in touc...

it certainly would, i think a bankruptcy is going to be the way i go, thanks for your answers anyway, please be careful of the advice you give though as I only knew about the income payment order from a friend who was told this and never got one at all, so if i would not have known this you would o...

Just to sort out any confusion John.mc is me just did not remember my original name/password!!

Hi everyone,

Thanks for your replies!

I am with McCambridge Duffy here in Northern Ireland!!

I am only a couple of months into my iva so a while to go yet!

Hope you do not mind me asking questions about my situation but was wondering would it effect my chance of getting an agreement using an IVA with one of the companies i owe money to if i temporally cancelled one of my Direct Debits as at the moment i have more going out than coming in? I have made t...

Hi Guys, thanks for all your help!! One more thing i am paying an Interest only mortgage but as i am 41 i need to get it back to a repayment one asap so that this can be taken in to account when i start this process so will they accept the fact that i will be adding more to my monthly outgoings by d...

Hi guys, I am on the verge of going down the route of getting an IVA and was wondering if all the companies are similiar or if there is one out there that someone can highly recommend please? I live in Northern Ireland! Paying of a mortgage with little equity! Owe between 20-25k unsecured, which inc...