I am in an IVA with 3 payments left to go. Today I have been informed that our combi-boiler is kaput. I have always had the care plan, but the boiler is now beyond repair. It is looking at about £1200 for a new boiler, which we don't have. The question is 2 parts:- If I could get a boiler on financ...

Hi, Just a quickie update while my wee man is snoozing before his final feed tonight! I did change my standing order today to give us another £250 to "play with". I have informed my IP about this and I now think it has sunk in with them that I needed action way before now as I had been requesting. I...

Thanks Skippy! It has been an eye opener, as there is 9 years between my two boys - you forget how hard the broken nights etc are! Never again! LOL!! Yes, I have been dealing with my account manager. She has said about a variation, but has not given any practical advice on how to manage until this h...

Hi all, Not been on here for quite a while. Just coming up to 2 years in our IVA, and although it has been tough, it has been do-able (just). I had a baby back in June, and although he was long awaited for (3 years trying) I now feel I am back in the dark place I was when we first faced up to our de...

Thanks for your advice. I really thought we had this cracked, but sadly not the case. BR has never been a consideration up to this point. We have invested so much time, hard work and money in to our home, and couldn't bear the thought of losing it. Is there no possibility at all in keeping our home ...

Hi, We had our creditors meeting today, of which I was very confident. We were offering 57p in the £. It has come back that the creditors would like another £50 per month. Our income proposal was pared right down, we have been living to this budget for the past 3 months and it is hard. Only this wee...

Thanks for so much support already, and I only logged on as a newbie yesterday. Looks like a few more kleenex will be needed, but feel a whole lot better already. Will take your advice on board and discuss with hubby when he gets home. I took the day off today to try and get my head round this, and ...

Thanks Melanie.
This might sound a stupid question, but where do I get professional advice from regarding this?
Regards,
Paula

I have for the first time this morning sat down and put all of our expenditure on a spreadsheet. I am literally sat here shaking. I can't believe how bad this is. I really do need advice on what to do next, so here goes:- Husbands Creditors 16231 My Creditors 52167 Joint Creditor 11600 TOTAL £79998 ...

I think I may have to consider an IVA as I have had to re-structure a loan with my bank to pay off my overdraft. I am maxed out on my credit cards and am relistically spending £400 per month over ourr income. This is just to meet the minimum payments on my credit cards. Whay I would like to know is ...