dear melanie - we have today set out our proposals for the remaining four years and with commitments like my car HP finishing and our rent arrears coming to an end we can pay all the amount due under the IVA but will be short of £355 at the end.... you have inspired my wife and I to face this head o...

I hope the above dint waffle on too much just need some advice it appears that maybe we can get a variation on the iva thanks forum

both my wife and I have just sent back our income and expenditure sheet for the review and due to my wife being involved in a serious road accident a month after the start of the IVA which left her losing one of her jobs we have had to reduce our payments.However we have been in constant contact wit...

thank you for all your comments - finally is there a facility with that account to pay cheques in...and accept credits like tax credit/child benefit...I get paid on the last working day by bacs but my wifes income is made by cheques only...

andy - could you give me more information on this "think" banking plz - I currently have a debit card current account with nationwide which is run really well but i dont suppose they will open a second basic account running next to it si i can follow this on the internet.

thank you all so much we like the idea of the think account.....it will make the next 4 years easier and help us look at the unnessary spending we still do............

thank you all for your tips I will try to get hold of that book.........We really want things to work

I am at the end of my first year of the iva and have just sent back my review which unfortunatley due to a change in circumstances the payments have had to be reduced.Payplan seem fine with that but obviously the plan may be extended......can anybody plz help with budgeting correctly because we are ...