Yes already started the ball rolling and paperwork is with ip just really scared if something gies wrong in an iva what will happen to our house and if we are forced to go br he will lose his job as a prison officer ! We could prob afford £150 a month for the first year. As fuel will go down due to ...

Not so sure about iva now thinking a dmp would be the best option in a dmp do you have to do yearly reviews etc I am aware this could be a longer process but the whole iva scares me plus hubbie has been offered a job with the prison. service which is an excellent job for future prospects etc but doe...

What if you recieve ppi money before iva has started can you keep the money ? So much needs doing to the house knowing our luck we won't get anything anyway !

Sometimes its good to make our own mistakes cos the sense of achievement when you fix it teaches us alot about how we handle these situations I'm sure age'll be fine with tour guidance and support.

We've all been there but at some point it catches up with us !
My daughter starts secondary school next year and have already been warned about the expenses that we should get ready for so this would really help.

That's good to know really didn't want to have to decline this fantastic offer from my nan as she is not aware of our problems x

my nan said she would like to give my kids some money over the next few years for their future, which is lovely as we have no spare money to do this at the moment. my question is can i put this in their saving accounts (which my name is on) and will it be untouched if i am in an IVA? Does that make ...

Hi I have wondered the same I pay £85 a month into mine but its the only pension my husband and I have between us can't afford. For him to do one to. We went with mine as I have a death in service clause in mine so really don't want to lose that. As my kids are the nominated people to get the lump s...

have a feeling they are going to be the ones that will object as so far they have not exactly helped when we asked for help!!!
if we have 3 creditor do we only need one to say no for it to be rejected?

Thanks everyone the support means a lot x

Good luck

Thanks lloyds were really good when we spoke with them to reduce payments etc very understanding so hoping that will stay the same. It's santander that worries me as they were very blunt when I asked for help they said we could reduce our payments for 3 months but after that we had to go back to ori...

Hi, we have taken the steps to enter an IVA using vincent bind ask the staff have been great so far, just getting the final bits of paper work together only really have 3 main creditors and they are lloyds tsb, santander and tax credits(overpayments)totaling £46,000 (scary i know) has anyone had th...

Hi we have just sent our paper work off too really scary but telling myself that if we don't do this we'll end up with nothing ! Life has dealt us some tough hands so now we are hoping to take control x scary but empowering I think !

Thanks everyone its been such a struggle the last 18 months so we are used to budgeting so it should be ok we do everything. in cash and once it has give we just go without so hopefully that will help us adjust to life on an iva x