HI @ Skippy why do the admins here get away with having a go at the other users I think you are being highly offensive towards me You state You complain of people talking around other subjects and not answering the original question ..... is YOUR post doing that ? No, it isn't. READ MY POST SKIPPY I...

HI A quick check on google will bring you a list of contact numbers here you go http://www.cheapestinternationalcalls.com/ Most work by you call a contact number then you get charged a 20p connect fee then you get a voice message to tell you to dial the number that you want and then you are connecte...

Hi You can get the PPI when you complete the IVA I was told that by my IVA compnay If you get the money now it just goes towards paying off your debt Whether the amount you got brings your overall IVA total down I dunno If for example yuo got £10 000 PPI and your IVA was £30 000 then as far as I kno...

Arghhhhhhhhhhhhhhhhhhhh !!!!!!!!!!!!!!! No the Hippo is pointing out that an IVA is not a barrel of laughs which is what the question person asked the Jail part how many prison films have you seen where they scratch the days on the wall thats my whatever No you dont have freedom unless you have a lo...

Hi Just getting back to above response by Liverpig I cant see how he or she is being rude just pointing out that you cant get credit in an IVA Respect for others that works both ways Liverpig is offering an opinion that is valid Its the same as going to see your boss at work when you have done somet...

People cant seem to read these posts correctly I DID NOT ask the question go to the 1st page and re read the question ! only my feeling about being in an IVA So yes ok you can go for a walk on a beach go to the cinema and play monopoly you can do that with a million pounds in the bank The Question w...

:) The question was about can you have fun in your IVA That depends on what you want to do with your life and where you want to go My IVA was a massive relief and I am thankful I went ahead and I knew what I was letting myself in for If I had been able to pay my debts it would have been the same as ...

Hi I am in the last year also and finish in the new year I dont know what will happen But I cant see the point of sending in the whole 5 years of bank statemnents and P60s as they have them already and I dont know where mine are now anyway I want to change my bank too as its a pain to use I would gu...

Hi As you are here asking I think you alrady know what you have to do If you are happy to keep paying your debts now and can see a way to clear them well you should do that If you cant see yourself clearing your debts and getting nowhere then you need the IVA Yes its tough and scary and you have to ...

Uhmm life is what you make of it Money buys material things or travelling to places If you had a million pounds right now will it make you happier ? if you dont have a million pounds right now will it make you sadder ;) I am out my Iva soon has it been fun ? not at all The Iva stops me from doing wh...

Hi Once you are in the IVA you are ok dont worry about it : ) Any issues just contact your IVA Company to deal with them thats why you are paying them a monthly fee to sort things out and advise you as you go along These are just letters that are automated to send off and they need somebody to go th...

Hi Yes have had problems same as most people whether in a IVA or not If i had a pet ot a horse that would be gone at the start I dont know how you can afford to keep them and yourself and struggle for it I set off on my IVA knowing that I was going to be in a tough place and would struggle along no ...

Hi Congrats on getting thus far :) I reckon they will throw credit at you regardless of your past As long as you show up as clean and new In the next couple of years the Eurozone will go belly up and some other new banking scam will take over Thats how it works they create something then wreck as mu...

Hi I think that Banks should not be allowed to go over a certain amount of your actual income Example if you earn £20,000 a year then the most you should get is £2000 and no more than 2 cards per person to allow a balance transfer If you have a bank loan then the same should apply you should not get...

Hi Dont pay any money up front regardless I never did and you dont have the money as you are looking to get an IVA Forget the company you are with Just tell them you changed your mind and not to call you again Look in this forum for a better company and call them It takes 5 minutes and they will put...