Melanie - Thank you for your advice. Both my wife and I do not have assets we only have a joint HP agreement on the car . That is something I would need to discuss with Neil @ Accept. I have been speaking to my IP who are very good however because I was honest and told them my concerns about having ...

The trouble is we are in an interlocking iva and I would not wish to put my wife through bankruptcy
Her debts within the iva are small in comparison to mine
Also we live on a private estate and it would be very awkward for my family

Melanie and I have had our IVA since 2011 and in that time a lot has happened to us. Due to my anxiety illness I have had to reduce my hours at work to allow me a day off each week and we have found that our outgoings have increased. This has meant I have leant on Payday loans to help us out and the...

both my wife and I have been in an interlocking IVA since 2011 and I believe this particular arrangement is not working. I had to reduce my income last year due to ill health and had a variation meeting to address that. However we are still struggling other month and now work to a very strict budget...

Thank you all for your help and support
Without the forum we would not have that peace of mind
Paul and mel

Melanie Thank you again for your advice, unfortunately I still am unsure of what steps we need to take. As Michael said can we contact McCambridge Duffy and just ask them to inform the creditors that we will be making 2 payments on 01/08/2013 as they have not explained our current situation at all. ...

Thank you all . I wish Charmaine @ Mc Cambridge explained it like you have. I asked about our current position today and was informed that we were 3.44 payments in arrears (including 01/07) and the figure is £684 in arrears (including 01/07) does this now mean we can make 2 payments on 01/08 and we ...

we have since 2011 gone back to the creditors for a variation meeting as my wife and I lost some of our income. we have asked the IP on 2 previous occasions if we can miss a payment due to unexpected bills and have just adjusted our monthly payments. I believe we still are in arrears but the IP has ...

we are with mccambridge duffy and started our iva in March 2011.

Both my wife and I are in an interlocking IVA for the past 2 years.Inthis time we have had some heavy bills which have required me to contact the IP and delay payment or make up the payment (ie go into arrears) However we have just had another large bill for the car and have been told by the IP that...

Would it be acceptable to approach my IP for another HP agreement as our main car is on its last legs and I am concerned about getting to and from work which is a 30 mile round trip in arural location. Our repayments are about to increase to £290 from £170 due to our current HP agreement ending th...

Can a landlord evict us if we include our rent arrears in with our IVA. At the moment our landlord is happy that we are paying an extra amount on top of our rent to clear the £5500 arrears and with this arrangement I believe keeps a roof over my familys head. If they knew about my IVA I am worried a...

Can anybody tell me why Lloyds Bank turned me down for a Cash Account which is a very basic bank account. I am in an IVA which I have always paid on time never missing a payment. Our joint Nationwide account never goes overdrawn . My rent and all utility bills are up to date and my car loan with Acc...

Hi
We are also with McCambridge Duffy and they have been tremendous. We had a very smooth Creditors meeting and they are always at the end of aphone to help you.
WE would highly recommend them...[:)]

WE have to pay painting costs every five years to our landlord. The average amount per 5 years is £2000. We are currently paying part of this in with our rent. Should I notify the IP of this arrangement as we just gave them the rent figure which includes the painting costs for our I & E or should we...