<t>Have just found out that although my IVA was completed in Feb this year, I am bound by a trust and have to pay any PPI to them. Fair enough re this. My question is does the trust only extend to PPI or does it cover any windfalls or monies from my pension funds as hope to retire in 3 years or so a...

<t>I completed my IVA in Feb 2020. Am setting up a home crafts business but am having difficulty finding public and product liability insurance because of my IVA. So would be looking for recommendations as want to set this up properly. Or do I have to declare this as got my completion certificate? A...

Morning all. I am still looking to get an IVA but although things are on the final furlong I have a new question. My husband and I are looking to expand our craft business. He does photography/painting and I do various crafts. I am also in full time employment and my husband has his pension. We have...

Hi all thank you for the responses. Foggy asked who I had talked to. Well Step Change and Tina from Melanie's company are the ones who had queries over my income and Vincent Bond are the only ones who think he can give me a workable solution. We are merrily trying to reduce outgoings and am about to...

I am now totally confused I have had 2 companies tell me that my husband and I don't earn enough for an IVA and one giving me a figure they would offer. This figure Step Change tells me is liable to be rejected so Step change has suggested we hold off for a couple of months and see if dave can gener...

Well I am still taking small steps and now have a new bank account so will not be in trouble with my old bank because the 2 loans we have with them wont be paid. I now need to make a decision re an IVA company Why does every creditor I talk to mention Step Change. One firm that I recently talked to ...

Have finally got around to opening a new bank account now all I need to do is swop the DDs and then decide on a company and keep fingers crossed that something will be able to be sorted. Can someone tell me if there is any truth to what a debt collection co told me - that going through Step Change C...

Thank you for the replies I will keep my fingers crossed that they are open on Monday.

Evening all, I have come tonight to a letter from a deby collector for my M and S credit card which says if I don't contact them soon they will send someone to my house. But they are now closed and am not sure they will be there on bank holiday Monday. So should I ring the card people direct or wait...

hi all than you for your condolences. I really need to do something as I have today received a debt collector letter. My husband has just admitted that he hasn't researched what bank we can go to and I think with everything else I am coming to the end of my tether So please help - we have loans and ...

Thanks everyone for your reply. I have had to delay doing anything as firstly I re-buried my head in the sand and then last week my mum died Not having a good time at all. I suppose I just dont know were to begin.
Susan[:(]

I have just found this forum as I am searching for a solution to my debt problems. I owe a lot of money to many creditors and am now looking to get an IVA if possible. I am now looking for advise. My husband and I both have bank loans with the TSB that take over 600 a month. Can I cancel them and st...