I wish I had found this site before going for the IVA maybe then i wouldn`t be scared to death of our ip but I didn`t know you had a choise and so went to the debt managment that my creditors said they would deal with. So far havent had much to do with the IP but they have come across as unapproacha...

Thanks for the replies don`t really want to talk to the IP find them scary but looks like i`ll have to bite the bullet!

Thanks for the reply we are with pay plan. We have only had the iva for 4months so still in the early stages so not sure if its too early for a review. Alot has happened since the iva became active most notably ive been on extended sick leave due to an accident and next month my ssp stops. I havent ...

so sorry to hear what a rough time you are having I can so sympathise I had an accident in november and have not worked since ive just had surgery to repair the damage and some days feel low. My iva is fairly new and seems like it will take forever so see the light at the end of the tunnel. But I ju...

hi i was really intrested in your post as i have a child who gets DLA. I have been told by the cab and an independant charity that the childs dla is safe and forms no part of the iva. Also there is criteria set out by the dla that the money has to be used for the use of the child named and that you ...

so sorry for posting earlier in caps no offence meant just a bad habit

HI IM NEW TO THE FORUM TOO. I REALLY FEEL FOR YOU. LAST YEAR WE WERE IN THE SAME SITUATION THAT YOU FACE MY HUSBAND HAD DEBTS IN SIMILAR AMOUNTS TO YOU AND LIKE YOU HE DIDN`T WANT TO TELL ME.HOWEVER I HAD ALREADY GUESSED THAT THERE WAS A PROBLEM BUT NEVER IMAGINED THE SCALE OF THE PROBLEM.I CONFRONT...