<t>We have been in our IVA since 2012, I had another child in 2016, hence the delay as there was a lack of communication between us both and this resulted in our IVA going on longer than originally predicted. We continued to make payments throughout, albeit not a revised higher figure but CIC's had ...

So sorry Guys, we went camping last week....in the wind, gales and rain......so I had no internet access.....fabulous seeing as it was such an important day! I am truly touched by the amount of support that you have shown. I now feel bad for keeping you hanging on. I am very relieved and pleased to ...

So sorry Guys, we went camping last week....in the wind, gales and rain......so I had no internet access.....fabulous seeing as it was such an important day! I am truly touched by the amount of support that you have shown. I now feel bad for keeping you hanging on. I am very relieved and pleased to ...

Thank you so so much guys; What an amazing group of people you are! Although I have shed a tear reading some of your replies, I feel like a you have given me a huge supportive hug through this thread....amazing! Tina;. could totally feel the love and support. The great thing is that reading some of ...

thank you guys; believe me hearing words from others in the same boat is such a support. I do have best friends who have own business which is doing well; very expensive car and holidays, all paid for. My best friend in particular sees those in BR as frauds and that they are robbing those who work h...

We have our creditors meeting next wednesday 6th June and I feel so anxious....the what ifs....what if we are accepted, what if we are not (nightmare) and will I still feel like this forever more.... I am thinking about all the phone calls, the worrying, the late nights, all the paperwork, more phon...

Does that mean then GT that it is possible to get credit for a car during the 5 years of an IVA?

Well....we now have our Creditors Meeting date through GT; the 6th June at 3.30; is this going to be a lucky day??? I am sure my grandad died on this day! Sorry, superstitious!!! Not far away but scary all the same, I dread to think what will happen if we do not get accepted, whether I can handle th...

Just read the proposal in more detail and does say 10p/£ this seems low dont you think?

Oh my god this is worrying...we currently have only 5k of equity however who knows in 5years and yes my husband has around 4k of HMRC debt which has been put into proposal....I have just checked our paperwork from GT, it is a non-protocol proposal (this has not been highlighted to us....should it ha...

How do I work out how much we have been proposed to pay to the £, as at proposal stage and seems rather low....with GT. We owe around £43k, proposal stage £115 each for 10 months then the following 5years 2 moths; £70 each totalling £140 per month...In total we would pay back @£9ishk. Seems ra...

We have not been aware that there are two types of IVA; Standard and Protocol....? I have been advised that as my husband is self employed/sole trader that we should have been aware of this, as our house may not be protected in the same way when asked to release equity in the final year, because his...

Thanks KayKay
Just before reading your post I have emailed my personnel manager with my new accoutn details for my next pay day. So fingers crossed.... We have a new account set up with Natwest without an overdraft but it is not a basic account, it has benefits....is this ok?

Hi Melanie, I have just got your contact number from your website, will i get to talk to you personally? Thanks Lisa

5/6 Years does it go quickly? What if you need a new car or have another child....? Can you still go on holiday? x