Me again. Sorry just realised didn't give full detailsin initial question. I am married and my wife is not going into an IVA, it is just me. Will this still mean that all teh excess rent from cheaper property will still into IVA or is proportional?

Thank you both for responses. It is looking like the end of November that the move may happen and would like to try and get the IVA moving, if possible, before then. Should I start now and then resubmit new I&E after new costs have been established?

Hi all,

Quick question. I am currently in rented property and looking at the opportunity of an IVA. I am also looking at moving to try and get a cheaper property. If I started an IVA and then moved would the all the difference in rent have to be paid into the IVA?

Thanks,
Dave

Hi David, has been sorted now thanks. Just a case of we kept missing each other!!

Hi Lily, thanks for your support. There are so many unselfish people on here who want to help despite their own problems. Also helps to puts things into perspective!

Hi mandi-pandi. Welcome to the forum. Let me say I understand where you are comng from but trust me, and especially more experienced users of this site, when we say that things aren't as bad as they first appear. You may be lucky enough to have caught this fairly early and if you work out what you h...

Well I've put my call into an IP and currently playing the time honoured game of telephone tennis! One small step for man......

Thanks for your kind words Melanie. Hopefully people will read my comments and realise that there is help out there and to listen to the experts. Whilst they give slightly differing views sometimes they are all going in the same way. Like I said it's good to be back

Thanks both for your responses. WOW this really is the place where people don't sleep!! I had help before and, foolishly, thought I could do it on my own. Lesson here for anyone new is take a deep breath and look at where you are. It's a long road, but not a lonely one. It feels good to be back here...

Hi all This might sound a strange thing to say but it's good to be back here. 12 months ago I was here looking for help with my debts. At teh time I thought I could deal with it myself and so embarked on talking with my creditors directly and came to an agreement with. All was working fin until earl...

Sorry Melanie, Do not know why it posted twice!! Hi Kelly, thanks for the message. It really is good to know that you are never on your own in things like this. Over the weekend I thought my world had come to an end, but having now faced the issue, in a way now it feels like a new beginning!! Went t...

Hi Melanie,

Many thanks for such a prompt reply. I do not wish to go down the bankcruptcy if I can help it but if that is the best route then will consider it. Can you give me some details where I can find out more about DMP please?

Hi Melanie,

Many thanks for such a prompt reply. I do not wish to go down the bankcruptcy if I can help it but if that is the best route then will consider it. Can you give me some details where I can find out more about DMP please?

Hi everyone, I am new to this sight and have to say it really encouraging to know that there is help and advice out there. Anyway here is my predicament… I have run up a large amount of debt over the last few years. This started several years ago when at University. I ran up debts just trying to liv...