I hope I can get some advice! I started my iva in 2006, paid it for 6yrs and made my last payment in November 2012. The iva was originally linked with my (now ex) husband's.. We separated and divorced during the course of the iva. For the last 14months, DFD have been chasing up PPI claims with EIF. ...

In May 2006, I found this forum when I realised the magnitude of my husband and my debts.. I found support, encouragement and a constant listening ear right here when I felt unable to open up and talk to anyone else.. During the last 6yrs, we had another baby, my marriage broke down, I lost My Mam l...

Hello again, I just want to thank you all for your comments, suggestions and advice.. I really do appreciate your kindness. I've had a few 'down' days thru the past week but I'm back on the up now and gonna speak to my IP and get this moving.. It really is so hard to stand by what I believe but I kn...

Thank you all so much for answering me.. it's so kind of you to take the time.. I'll speak to my IP asap.. I'm determined not to take the step back to my husband.. Nothing in this world is worth seeing my children sitting subdued in case they upset their daddy, is it? I'm obsessed with reading 'Desi...

Hello and thank you so much for your reply..
I'm getting really panicky about it all but I will definitely speak to my IP because I just need to know that I can cope alone without messing up my life anymore!
Thank you for listening and for such good advice, I appreciate it more than you know....
xxx

Hi Everyone.. I don't post on here much anymore but I do 'dip in' regularly and see how people are doing.. But I now need some advice, and I just don't know where to start.. The beginning may help, heh?! Well.. my husband and I began our IVAs in August 2006,owing about £66,000 unsecured and with a £...

Hi everyone, My husband and I have been in our IVA for 3 years. On Friday, I had an awful car crash in which my 3 children and I were injured and it looks as if I've written off my car. I'm a theatre nurse and I work on call at weekends and overnight so I really do need a car. I work in the NHS and ...

Hi and thanx for all the quick replies. Yes he will receive SSP but I now feel so much better as I know we've a chance of a payment break. I'm really worried but will see what his boss says tomorrow.
I'll let u know and thanx again for takin the time to help me
Xx

Hi again everyone, I really need some advice if there's anyone out there who can help. We're almost 3yrs into our IVA, all payments have always been made on time, as have our overtime payments etc. Last night, my husband broke his hand and his company doesn't pay him if he's on the sick from work.He...

Oh my goodness,thank u all so much for your amazing advice. The money problems aren't the cause of our marital problems,although they obviously don't help. I'm just terrified about leaving my husband and resigning myself and my children to a harder life than we have already. Having said that,they're...

Firstly, I know that this is not a marriage guidance forum but I would really appreciate some help and advice if anyone can help me... My husband and I have been in our IVA since 2006 - we've just made our 32nd payment! We also have a secured loan which we will be paying for another 7yrs. We've been...

Hi Poppy, I'll try to answer a couple of your questions if I can, but I'm sure someone will be along soon to give the definitive answers...! Our first annual review took place in August so all of our paperwork was sent in in July. We were only asked to provide 3 payslips, but I did send in all 12 so...

That's really interesting to hear, thanks for that. When it comes to us remortgaging I hope you're still on these boards cos you can be sure I'll be asking lots of questions!!
Thanks everyone.

Unfortunately NR wasn't one of our creditors but I too think that they'd probably have agreed!!They'd prob have moaned a bit still though!! I too haven't heard of another 100p/£ IVAs - Does anyone have any idea how many there are where creditors have to pay back 100%? Or is it just me??!![;)]. I'm a...

That's really good Lily! It's true that time flies by but its so good to know that we're on similar journeys together and its good to hear how everyone's getting on these days. Everyone was so helpful through the dark days last year that I feel indebted (no pun intended I promise!) to every one of y...