We did a Full and Final IVA last March with Melanie, for which we are very grateful. However, the final certificate we were told would be ready in March has still not been issued. PPI investigation did not start till very late, and on enquiring 3 months ago we were told that we were still awaiting a...

Special One - we have 2 children at university, and did have 3 at the same time. Their loans too did not cover their accommodation and expenses and we were unable to help even a little. The youngest works part time, the older one has been unable to find anything. He tried for fruit picking this summ...

Well done carpet toaster - so pleased you've joined the club! It's a huge weight off your mind, isn't it? Hope you're recovered from your illness too.

I believe there is insurance you can take out as this is something we were considering - we too were worried about what would happen if we were unable to pay the IVA. Your IP should be able to advise.

Another 3lbs lost this week. Will give the water a try this week and see if it helps.

Trouble is, Middleofnowhere, nothing is selling! We tried to sell our struggling business to help pay off personal debts. Many people were interested but dropped out for various reasons and noone could get funding from banks. It took 18 months in the end, during which time trade decreased a lot as w...

What's wrong with buying a small second hand CRT one from the newspaper or charity shop? Our family just had to get used to using our portable TV when our main one broke. People struggle to GIVE away CRT TVs nowadays.

I thought you said you were only on a 12 month contract anyway? I don't see why you think having an IVA "on file" will ruin your career - the only file it will be on is the Insolvency Register and I doubt very much that any new employer would start checking out any future employee, and if CIMA are O...

Weighed myseld this morning - lost 3 pounds and my husband has lost 2. Encouraging for our first week, especially as neither of us has felt hungry or craving carbs.

I'm with you Lesley - I'd love to see 13 stone again!

We thought it would be OK as it had passed its MOT with no advisories in Feb.

Why £240 per month if you are paying £290 now?

Having been talking about dieting for months now, I finally bit the bullet and started yesterday. I went on a low carb diet a while ago and had never felt so good, so trying that again but without the fat deprivation. Have spent all week reading an excellent book about low carbing, which examines 38...

If it's any consolation 4kidsnocash we (well, our son) have been going through the same thing. On his way home from a late shift his car broke down. Call to his Dad, who got out of bed, searched for jump leads (in vain), torch and tow rope and set off on half hour journey to rescue him. Fine for 200...

Forgot to say, with a F&F IVA it takes up to 12 months to get your completion certificate. By the time we had our meeting we had missed several months of creditor payments and this is the scariest part. We got hassled so much we ended up changing our telephone number - though BT forgot to make it ex...