Dont forget to account for Tax and your landlord costs (ie insurance, Gas and Electric certificates, as well a set amount away every month to cover repairsI in the let property. Plus any lender agreement fee

They were not concerned about IVA assets - more to do with the false claim that the claims companies are pushing through - hoping that the banks would pay them out. Some banks and lender signed an agreemnt last months refusing to deal with claims companies. Hopefully it will make genuine claims easi...

Without adding fire to this discussion -there was a recent (6days ago) report from the FOS about their concern about 6000 false PPI claims submitted via claims companies - statement says they are "looking into it" - so perhaps the tide is turning (i hope).

Enjoy and congrats !!!!

iamfubb2 - anyone is free to post DMP/IVA - ex IVAs - i am sure your experience and dealings in the DMP will be useful to other people

Oh sorry i forgot to - congrats !!!

Some IVAs state you can have up to £500 credit without seeking permission from your IP - if that the case activate the card and throw it in the drawer for emergencies. As you have not get recieved your certificate you still bound by the terms of the IVA. Would not worry about trying to sort out cred...

Chris your not moaning - IVAs can feel like they are dragging sometimes - and money will also be tight in them. Sound as if you will be paying back most of your debt - congrats on that. You know you can ask for an income and expenditure review at any time - you dont have to leave it to the end of th...

Holly - thoughts and support to you at his horrible time - do speak to your GP again and also look at some support from other agencies. On of the NHS used websites is www.patient.co.uk, you will find names and addresses for support from these organisations, if and when you feel you need to use them....

Difficult to work out on the information - but your payments should reflect what is left after all your essential outgoings. If you are struggling you do need to speak direct to your IVA company.

Just extending my support and thoughts, to you and your family - at this really difficult time.

Marvin - check the small print on your claims company contract - you may find once they started work, they will expect some money

And as BOL - has graphically displayed it has no effect on your desirabily to the other/same or any sex

hrb150 - welcome to the forum

Sounds as if you need to talk all your options through with a few good companies.
Any debt programme has its drawbacks - so it depends on your personal circustances etc - which it the better option. Dont feel rush into making any decision until you are sure its for you.

Marvin - I cant add to what already has been said - apart from welcome to the forum. IVA is sometimes a difficult concept to understand especially when firms promise these "massive write offs" thankfully we seeeing less and less of this been advertised. Join the forum and ask and join in - for most ...