Hi Just wanted to post that McCambridge Duffy were really helpful as I had to reduce my payments by £60 per month and it was approved, I am only 15 months into my IVA and am at university (mature student !! VERY mature!) and am battling to pay off my old debt and study for a better job...creditors d...

Hi I managed to get a contract phone wit Orange in May 2011 with terrible credit BUT before my IVA was set up in Jan 2012 - my contract is up for renewal but I want to move to 3 from Orange....just thought I won't pass the dreaded credit check - has anyone managed to get a phone contract with a new ...

I already have an IVA but only my close family and 3 friends know BUT I have a friend whose husband is in massive denial about debts and does wnat the social stigma of debts being dealt with! She is getting ill with the stress and has almost signed a DMO as shea nd him have £15k debt BUT they have t...

Hi I have now worked out how to post on the site...just to say shopping around re insurance deals is crucial but it does take time and if you work full time doing all this is very time consuming but worth it! I am a student mature and work part time so have the time to do it....wish I had been this ...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by winter_blues Hi everyone, For anyone renewing home insurance I have just saved over £90 getting quotes from confused.com and Legal & General came out at £142 and that's buildings & contents including a...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by kat68 good news enjoy your course. it would seem there are two very clear leaders and IPs who stand out from the rest in the iva market. your with one and thankfully i was with the other. Yes I am glad...

Hi just thought I would post that I asked for a 2 month payment break to start uni as a mature student and McCambrudge Duffy were excellent, they said YES and it was so easy and stress free. If the IVA goes well I will be pleased, I have made 6 payments and this break just takes the pressure off for...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by StupidAgain I took the advice and spoke to some IPs has anyone had any dealings with Vincent Bond, i spoke to Andy Davie just wondered if they were worth a shot. Thankyou :0) xx Hi I rang Vincent Bond ...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by kravarran I have a basic bank account with Coop (cashminder) and thought I would apply for a savings account with them to keep money in for emergency funds. I found out today that the application was d...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by MelanieGiles DLA has to be included as income, but there should be corresponding additional expenditure associated with your disability to set off against this, therefore giving a neutral position so f...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by lesley_ You should be deservedly proud. I'm 50 and doing a degree. I agree the forum is a great place to a be a part of. See this forum is fab, what are you studying ? and good luck with it...prospects...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by lesley_ Oh I hope you haven't, sorry I asked, my daughter is going to Uni and I'm just being nosey. Sorry, edit your post and remove the course Queenbee. No probs was joking really as I am proud I got ...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by lesley_ Hope the above answers help. What are you planning to study at University. x Hi Iam off to uni to to do Occupational therapy and will get small NHS bursary and student loan but need to reduce m...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by kazzafunk It should be included in the income and then shown as additional expenditure. So if you have mob rate, you should have listed additional travel costs. If care rate, shown how this is needed o...

I am in an IVA with mcambridge duffy and I receive DLA - is this calculated as 'income' as it is exempt from every single other form of benefit calculator - DLA is to help someone and I think mine was seen as part of income and I am struggling, have asked for a review as am 5 months into IVA and als...