Just to follow on from Melanie's post. I would suggest researching IP's in your local area as the other reason for some IP's not taking self employed clients is that a face to face meeting is required. Also as a self employed person, the whole process is a little bit more complicated. Nothing that a...

I normally just hover on these boards, don't post very often but I'm so sorry to hear your news. Like the other posts say, pets are part of the family and you'll miss him as much as you would miss any other family member. Why not take a trip to your local dogs home, you can't replace Oliver but ther...

You need a 75% majority (in value) of voting creditors for your IVA to be aproved. If Barclays don't vote but 75% in value of the creditors that do vote, vote in favour, your IVA will be approved. With one creditor having that high of a share in your total debt, i'm sure your IP must think that it h...

out = put - sorry, silly keyboard, or could just be my fingers!

Where they have said no variations for 24 months, this normally relates to a modification from a creditor. Can you please tell us what the actual modification states, you should be able to find it in your Chairman's Report. There are various wordings of this modification, depending on what it says, ...

The other responses are right, you need to make it clear to you IP that you need to replace your car. I think the best solution would be to ask for a payment break to buy a "run around" rather than taking out credit which may make you struggle with you IVA and you would need your IP's consent to do ...

What was your original offer to creditors?

Your need to check what your proposal/chairman's report states about unclaimed funds (uncashed cheques). Creditors normally have 6 months to cash a cheque before it expires. After the 6 months it will depend on the clause in your proposal and the value of the uncashed cheques. If they are over £500 ...