Hi, My husband has just done his tax return and we are due a rebate of just over £1000.00. However as he has earned more then we had thought we have to repay tax credits. Will we be allowed to use this rebate money to pay off the tax credits we owe. Another question I have is we are having a baby in...

Thank you, we're with Duff and Phelps, maybe we'll have a chat when we've had a 12wk scan and feel a bit more like it's happening! x

Hi all, I've found out today I'm pregnant! It wasn't exactly planned we started trying in Jan 2011 went on to loose 3 babies in a row, the last being in Feb 2012 and sort of never thought about contraception or trying after, we always said we'd leave it to fate.... Now it's happened I'm scared, alth...

Thank you for the replies, we're with Duff and Phelps, we haven't spoken to them much throughout the year as we've kind of kept our head down and kept paying but they've always been approachable when we have. I'm sure it's all just my nerves as the IVA was a lifesaver when approved so we desperately...

Hi all My husband and I are just coming up to our 1st annual review and have been sent the income and expenditure sheets for this last year, and the living expenses sheet, our earnings have varied quite a bit from what they estimated, we haven't overall earned anymore but we are both self employed a...

Hi my husband and I are coming to the end of our 1st year in our IVA, the Iva was for £25,000 and we have a mortgage on the property, although we thought we understood the equity release clause in the final year, year 5? Which line of thought are we right in thinking? A. If in the 5th year we have ...