Fab I feel much better now. We have had no.increase in salary etc and our spending has only been on essentials so shouldnt really feel worried! have just recently opened up a cash plus account as there is.no charges and I will be putting money in there. Will I have to.provide these bank statements o...

Ho. We have received the letter re our annual review. I am worried... we have loved within the agreed expenditure budget however we have not spent our money on precisely what was on the budget. Will we be in bother. also sorry I am thinking about withdrawing remaining funds each month from bank afte...

Hi Our IVA was accepted on 15th Oct and now we have received a letter from one of our creditors demanding full payment. THe letter states litigation. They didn't even bother to vote in the creditors meeting. Do we inform ourIP or ring the company up direct Felling a little sick and the worrying has ...

Thanks everyone. Being on this forum is such a big help, makes you realise you are NOT on your own.

Thanks guys. We have really struggled this month and have scrimped around for money and have very little until payday on 31st. We are determined though to work within the budget set out in our IVA and will explore all the above ideas. Great to have support on here.

Hi Our IVA has just been approved and I was thinking of keeping money in our account for our direct debits etc and then putting the proposed amounts of money for our other expenditure in separate envelopes, so say have one for food, one for our car expenses etc. I feel we probably use our debit card...

Hi I am pleased to say our IVA was approved on Monday however when we received the paperwork to sign we noted that only two creditors on each of our lists (my husbands and mine) had voted. I was surprised that more hadn't voted, we have about 10 creditors each. Tax credits didn't vote and currently ...

Thank you. It is such a relief and time for us to focus on the future.

Phew x our creditors meeting was actually today and although we had to wait for most of the day the end result was that it was approved by everyone. One creditor wanted the payments to be higher however this was argued and they accepted the original proposed payment. Long journey ahead but at least ...

We have a creditors meeting on 15th however I am worried. We have been on a dmp for 6 years and during this time we studied for degrees obtaining student finance to pay for the fees and offset against our reduced income. We have never been late with our DMP however will our creditors refuse our IVA ...

we have been in a dmp for 6 years, during this time we put ourselves through university and obtained student finance to pay the fees and offset against our loss or earnings, we never failed a payment on the dmp. My husband has arranged the IVA however I am worried about the creditors meeting as we d...

what sort of questions may the creditors ask on the day of our meeting