this forum is great, i remember when i first started my iva only a few months ago and we were so scared, anxious, had so many questions, and everyone on the forum helped loads, looking through all the posts makes you realise your not alone, and that in itself can be a weight lifter when struggling w...

we have only been in our iva a couple of months or so, it was very daunting/ scary at the beginning, also a feeling of not knowing if we had done the right thing ( father had passed away and the funeral was the day before the creditors meeting ) so we hadnt really looked into things properly with a ...

we have ordered the vouchers from park for this coming xmas- pay in advance, and can spend them in loads of shops

thankyou all, good idea about the excel, may get on to that one :) for this xmas just gone it was also the first xmas without guests- a choice we made the xmas before, the children never liked having guests around every xmas so to celebrate we allowed them to choose their own xmas meal- 2 children c...

just thought id share with you all how my first xmas in an iva went.. firstly with 5 children to buy for my wife and i were very worried, as much as to say we were regretting the iva, we are only a few months into it and this xmas just gone was my wifes very first xmas in 17 years without relying on...

just a quick update to say our application was approved last week, found the process very quick and not stressful, now have light at the end of the tunnel, thanks so much to Andy Davie and co at Vincent Bond

thankyou for commenting peer, we did ring up and were told it was not possible because of owning two properties, no other reason was given. we have sought advice now regarding the matter and will keep everyone updated. its amazing how after just one phone call we feel slightly more positive, for the...

cant thank you all enough, things have been pretty dull these past few months.. current dmp is with cccs

do i need to find an iva practitioner near where i live ?

thankyou so much all, i will enquire later today when i finish work, will keep you all updated

thankyou for your reply, there is very little equity in the rental property and not much in our house we live in. the company i am on a dmp with have estimated 2034 until we are debt free. knowing this is putting alot of pressure on my marriage/ family life, and my wife and i are feeling quite depre...

is it possible to have an iva if i own two houses- one i live in, the other is rented out and makes a profit. im currently on a dmp and the company have told me i cannot have an iva due to owing two houses ( both mortgaged)