hyperdrive

Its helped loads, thank you. Thanks to all who have posted replies too, much appreciated.

Thanks Foggy Some great advice and good points, I dont mind paying back what I owe, its my own fault im in this mess but as you said I would save some time on the repayments but not on my credit file which is what I wanted, I think i'll just stick with the IVA and try and some sort of F&F in another...

Hi Ginger Apparently the company he works for is called creditcruncher personal insolvency centre, his advice was free (for today at least) but obviously there will be charges should I go through with BR. Am thinking of ringing cleardebt my IP and discussing it but I wanted to check if this David wa...

Hi all, could really use some sensible unbiased advice. I have been in an IVA for 14 months. Today I received a letter from David Sharp @ creditcruncher, I decided to give him a call to have a chat. After talking through my circumstances with him, he is advising that going BR might be a better opti...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by kev59 should not be, your just using money that you have saved from other parts of your I&E. in the last week I've saved by using ebay and paying by paypal. shop price for the two itam I needed £57 (wh...

Hi Everyone, am looking for some advice. Ive had my I&E forms through for my first annual review which I sent promtly back, they are now requesting my latest bank statement as I have declared an increase in expenditures. I have printed off the statement from my online banking (hoping this is accepta...

Brill, thats smashing. Thank you soo much for your time. I just need to make sure I get the job now hehe [:)]

Thanks for all the replies. Things are starting to become clearer. Trying to find ways of reducing the term of my IVA but I dont think that will happen if none of the extra comes off the actual IVA itself. Foggy, your absolutely right that 29k with IP fees etc will be about right but what about the ...

Hi thanks for the speedy reply, its much appreciated. Can I just clarify the situation, I had £8k written off with my IVA. sooo, this payrise I might be getting would go to my creditors untill this £8k has been paid off, then after that, the extra amount would then convert to coming off my IVA amoun...

Hi everyone, Really really need some advice. I am 10 months into my IVA with cleardebt and I have constantly being trying to call them for the past week for this advice but they never answer the phone. I have applied for a new job which if I get offered, will mean a pay increase of anywhere between ...