Annual Review with Stepchange. Hi I sent by documents back to stepchange last week for my 1st Annual Review, today i have recieved a letter back from them confirming receipt and advising they will be reviewed and i will hear from them within the next 3 weeks. Just Wanting to know if anyone has any e...

Just got Back from the co-op and i have been accepted for a cashminder account, should have my account number and sort code within 48 hours, card and pin to follow. I feel a great load has been lifted from my mind!! I have been really worried about situation with lloyds even though i havent heard an...

Update on my application for a co-op cashminder account. went to my local branch on Monday and after convincing the assistant manager that an IVA was different to bankruptcy, and she actually had to go away and ask someone!! i have been given an appointment for 2pm today, as my branch works on an ap...

Will do Mrs Knight.

Does anyone know what type of debit card you get with Co-Op cashminder account - is it a Visa Debit or Visa Electron?

Hi Kazza, thanks for that. I have a local branch and rare day off on Monday so im going to go and hopefully open an account. Ive already read on there website what ID i need to take so hope i can get it sorted.

Hi,

Do the Co-op allow you to set up a cashminder whilst in an IVA or did you have to set it up before your IVA was accepted. Im with lloyds and opened the account a good 6 months before setting up my IVA, i cant believe what they are doing. Just hope they give notice before closing my account.

Thanks for your help.

I know buying a cheap car may be a risk, however my uncle is mechanic and will fully check out any car before i buy and also if any repairs are needed i dont have to pay labour just costs of parts and he get his discount on these. Wonder if 1 of the experts would be ok if any of there clients asked ...

New Car? I'm looking for some advice... 9 months before i entered my IVA i sold my car to help me keep maintaining my monthly payments to creditors. Once the money dried up i realised i had to take some advice as i couldnt meet all my outgoings. My IVA was approved in August this year and must admit...

Pay Rise. Wonder if anyone can help me, i am going to get a payrise from January and my income will go from £1150 a month after tax to approx £1230 a month after tax. I have a letter from my IP that states i can earn £1265 a month before i have to pay over 50% of anything above that figure to the...

Hi Everyone, thanks for your kind words. I'm pleased to say my IVA has been accepted. The relief I feel now is amazing. Excited to make my first payment and start the road to recovery!! Thanks again!

My creditors meeting is tomorrow at 12. I am really worried about it. I am offering 30.2p in the £ to creditors. Does anyone no if this is a good offer? And what are the chances of it being accepted?

Hi Everyone, thanks for your answers. I have successfully got this removed and now my proposal has a higher rate for creditors. I have signed it and sent it back just now to wait for my creditors meeting to be arranged. I must say this forum has been so helpful to me through the process. Thanks again.

Hi, This is the first time i have raised a question but i have been reading the forum fo rthe ast couple of months. I ma currently going through an IVA with the CCCS and have just recd my draft proposal. I am a bit concerned as they have included £180 that i owed my gas company from my last bill. T...