Sorry i'm not perfect this is my first year...so confused as for saving 15 a month for car servicing it isn't enough to pay for over £500 worth of repairs which was needed due to being hit by a lorry...! Excess on insurance was £300 plus had to pay the tow company...! I'm hoping to be in touch with ...

Hi thanks for the reply our IVA is with StepChange...we keep having problems with the car needing repairs..we had one month off but im scarifing tghe housebill to pay this..no car no way of getting to work meaning no money..its a terrible cycle...I woukd love them to sit down and help but noone seem...

im currently in an iva...my review is due but for the last 9months I have had to pay arrers on mortgage but its made me miss council tax payments...im now in more debt than I started how do i explain the larger payments to IVA (how do i start afresh with everything....?/??