got an e mail off andy ne: neverending he is now in charge of the iva forum well done andy and good luck to you in the future, what a great site you are in charge of and im sure lots will agree

thanks everyone for your advise and i am taking all of your advises wait till after iva, dont run own pub but have a look at your way sam as tenents, great site this

thanks 4 your advise it was greatly recieved, i am going to take the advise of you all and wait till after my iva, then and only then will i really have a good think about the idea, as stated it will take over my life regards to you all

hi freinds have not been on forum lately, but i know where to come when i need advise, i have been on joint iva with my wife for the last6 months so still away to go, question: i would love to change my job from a farm worker to running our own pub/restaurant, we have looked on the web and there are...

my wife took out a loan with my daughter, joint as they say, however my wife and myself are in an iva now only just, we told the ip of this loan and it was added to my wifes side of the iva, however my daughter got a call from the company and they want payment from her as she is not covered by the i...

hi batawi3 my ip said i was to keep my wage slips for my review i am now on the second payment and as for extra earnings 50% must go to creditors as for little presents on a low budget as long as you have the love of your family and light at the end if the iva is all that matters and as neverending ...

hi andrea, have you had the meeting yet, have or not let me tell you the thing is you are not alone thats why their is this site, and a good site it is, remember the companys wanted to give you the money to start with, and they are now annoyed becouse we have people on our side to help us and that m...

hi sara, i am in exactly the same possision as you, 60,000 the thing with an iva is if you keep up the payments all will be well, like its been said, your ip is being paid well, so let him do the worrying, relax and start to live your life, as you have not ignored the mess you got in but did somethi...

thank you for the advise thomascharles i will get her to do that

you know the top and bottom line of all our situations is simple, we owe the companys money, we cant pay it back, they are cheesed off with us, we offer some back with an iva, they think we got a cheek, they want it all, but the law helps us, they get cheesed off again, we are happy that we have peo...

hi churchmouse as you know by now you are not alone their is you, me and hundreds of others all rowing the same way up the river, but i am like you also money is tight, so i made a little saving by doing without the fags,prioritys are needed at a time like this, it will be a simple christmas this ye...

hi i have spoke to my ip he says my daughter is elagable to pay, i have wrote to the company and have explained that she has just registered unemployed and that she has no assets whatso ever, but as soon as she starts work she will contact them and come to an arrangement tomake payments, another poi...

hi hells well done am pleased 4 you it will be nice if you visit the forum and give some feed back to others that are heading our way, after all its nice knowing someone else cares. all the best for the next 5 years and after into the future

hi bluebelle wow only one default lucky you i got 4 its just formality so file it away with the rest of your paperwork, dont destroy, as you never know if you will need it, but you wont,it will be something to look back at in 5 years time after your iva, and a reminder of (do not go down that road a...

hi its me again need some info, had my daughter back staying at home temperaly due to landlord selling home they were renting, anyway i am in a joint iva with my wife, however my daughter has put her signiture to one of the loans in the iva, so the company have phoned her and said she must pay the m...