My heart goes out to you. Once in the iva you are indeed protected. My worst fear was my family finding out. Deep breaths and stick with it. All will turn out well x

Thanks everyone. I will keep you posted x

Hi. I only have 2 payments to go and trying not to get too excited. I'm on the dreaded register and iva started 8 Jan 2006. Not heard about final review yet. Do I just stop making payments? I know I paid before. The iva was accepted. And if after the review more monies have to be paid where do I sta...

Lulu is so right. I was with Tesco then swinton. If yr looking for a cheaper quote swinton do ask if they can do a credit check. Told them no myself and took their quote. Good luck x

Hi sorry about your job. This happened to me. I made small token payments for five months. Didn't quite hit the sixth month though. Got a temp job. Took anything. Then had a variation meeting. Extra year added on. Keep yr hopes up and try not to worry x

Thanks Lu Lu. This is what I thought. Will speak to them as soon as. Kingsgate are the company x

He.he. thanks. Maybe everyone's busy tonight. It's a tough world out there at the mo. But hey. Still holding my head above the water x

Hi. Thanks for the reply. Oh and Malcolm is the name of my budgie. Lol x

Hi. Always reading posts on this sight. Really love the advise. So I'm needing some right now. Iva. Start date Jan 2006. It was £300 per month. Cos of bonus etc and changing. Jobs went up to £700 per month. Lost my job and had payment break. Made good will payments. Got a job five months later. Va...

i need help. been on my iva for a while.this is my fifth year.( been extended for one year. at an extra 3k). my ip told me that i would be revieved every year now. so last year cos of bonuses i earned alot more. i kept money aside.they told me to keep any extra expenses to one side. my review came u...