which firm would it be? I'm with melanie giles. Im just trying to budget for what we'll have available over the next month etc, with christmas etc coming up

So with my example, if the agreement is set up on the '16'th of november, would be be able to make the first payment on payday- the 30th?

Hi myself and partner are currently at the proposal stage of our IVA- we are just waiting to arrange the telephone interview/find out when our creditors meeting is My question is, if for example the IVA is agreed and set up on the ''16th'' of say november, but we would like our payments to be on pay...

Happy Birthday [:)] and Good Luck for thursday. I'm still awaiting that stage our joint one- hoping it will be soon, as we've sent the last of the statements to our IP. We've managed to stay in the guidline budget but its been tough.. our oven broke last week, and I'd have usually just bought a new...

It is horrendously expensive to use childcare -especially for babies and under 2's as they are charged on a higher rate. The figure of £50 a day quoted is about what it is where I am. I know what you mean there- I have thought about starting a family within the next couple of years, as I'm in my mi...

. We really want to start a family and know it would be easier to wait until the IVA is completed, but this could be 5 years away and at our age in life that would be leaving things late. thats something that has been concerning me also. I am currently at the paperwork stage with my partner. But th...

I'm in the same situation at the moment Jo- and had the same great experience in talking to Tina also. Paperwork received on friday so working on getting everything together today. the only thing that worries me is that my first ever missed payments to creditors will be today- and I need to phone mo...

What happens in the interim- between the first phonecall, and the acceptance? Myself and partner are in the process of gathering our paperwork- with Melanie Giles- who have been brilliant. I cancelled all my direct debits on Friday, and I cant help but feel worried with what will happen between now,...

Cat --- it will be your IVA on your debts. Have you any joint debts ? No, it's all seperate. But obviously my available money is linked to him in a way, in regards to bills/general living if that makes sense? At the moment other than the council tax, all the bills direct debits go out of his accoun...

I am considering an IVA- I have never missed a single payment/been late but the amount I now owe is unmanageble. I've now registered. That's the thing- I've never missed a payment, but it's because I've juggled my credit around. Due to house move/new job/general circumstance change its built up ove...

I am considering an IVA- I have never missed a single payment/been late but the amount I now owe is unmanageble. I am worried that my IVA will be rejected because to 2 companies I owe a large amount to- £12,000ish on one loan and about £8000 on the other (In addition to some credit cards) As these...