Thank you all for your kind replies...and a BIG thank you to IVA.CO.UK for being here in our troubled times.

Will keep you all posted with updates

Keh, well done on getting past your troubles. I have has 12 months post F&F IVA (2 years until finally dropped from credit report). I have tried several independent mortgage advisors/brokers but the best deal on a new buyer mortgage is 50% deposit, whih i am slighlty short of (could manage 30% depo...

Now been 2 years since IVA ended with a F&F. The hardest part was when it ended and we suddenly had all this extra income to spend.. We were tempted to go out enjoy ourselves and have nice holidays but remembered that it was part of those reasons that got us into the mess in the first place. We talk...

Hi Gettinghelp,
As long as your partner is not associated with any of your debt then there should not be any problems, one of the experts will clarify this shortly

Hi Sean
We started out paying £550 and by the time we finished we was paying £610 due to increase in wages etc and our forecast was to pay back about 60% of the debt and we ended up paying about 70%.....it depends on what you can afford to pay back.

Hi Kelse, You can still report him indirectly by letting slip to a close friend (in confidence that they report him but deny any knowledge of knowing) and at a time when you know he will be driving so when he is stopped by the police with no insurance they will confiscate the car and if he don't pay...

Wish you all a great time but sadly will not be able to come myself

Sounds just like home here....

only see them at night with blues and twos going

Andy

Take care on the streets tonight and be safe

No-one here will judge any-one...

We all got into debt and want to face it...

We're a like a big family with different backgrounds but with the main ingredient..

My I&E for my car read...

Petrol £50
Ins £21
Tax £12
Serv £10
EMERG £15

Total £108 a month (just for the car)

Seemed on paper that my car was better off than me lol

Don't forget in your I&E to include all costs for car
Petrol..Ins...Road tax...Service...EMERGENCY....

Emergency in case of new tyre etc

Elv5 & Pap

Only a thought...(don't know if practicle)

Is it possible to ask lender to extend mortgage by say 5 years and see if that will reduce your payments?

Hi Pap Don't worry about the modifications..... Your IP would't go to the creditors meeting unless they were sure that they would be accepted..(though some creditors tend to be a bit difficult). Think positive.... This time next week you'll be laughing at youself for all the needless worry and congr...

Yes Melanie

I just read the other post