font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Jules79 I found myself in a similar situation regarding losing tax credit payments as we'd apparently been overpaid the year before. This left our monthly surplus -£136. I was in a very emotional state...

Just wonder if I could ask for a final bit of assistance as I prepare to speak to Payplan again...I've been holding off so that I could visit my GP (who has deemed me unfit for work) and, because Payplan request that the money is available at the time the offer is made, sell as much as possible to e...

I've just realised that on my income / expenditure sheet I've been spending more on the IVA than my surplus money from the start. Now with working tax credits being gone completely, even with a rise in housing allowance my 'surplus' is -£10. No wonder it's been such a slog. Am I misunderstanding thi...

Sorry to ask so many questions...but when they say the process will take three months, do they mean from the point the offer is made to the point the certificate is issued rather than taking that long for the creditors to make a decisions?

May I ask what would happen if, after making a F&F I found myself in a new job? After all, I was told that the F&F process usually takes three months. It's not going to be anything particularly impressive at this point but the thought did cross my mind.

I'm just worried because it's not a huge amount (approx 10-12% of remaining debt). I'm just so sick. I lost my job due to depression but I wish I were back because I honestly can't bear the thought of bankruptcy and the impact it would have on my family.

Thanks for the replies; they are very helpful. Mr. Peoples, the IP did in fact float that possibility. I've spent far too much, but still have the sort of money available to hand over that would count as the extra 'on top' of the six months and due to my unemployment, a settlement was suggested; I f...

So I've been in an IVA with Payplan for a couple of years now and I'm not doing well. I was given redundancy on health grounds a few months ago after a prolonged absence due to depression and at first just fell into a downward spiral - It took a dalliance with suicide to start to pull myself back up...

Hi, Thanks for your reply; that's reassuring. I think one of the contracts ends in Feb/March, so I'll probably settle that one myself and roll the remainder into the IVA. Do you have any idea how the IP is likely to treat the additional debt so far as repayment goes? For instance, will they look at ...

Hello there! Having been in an IVA since 2013, I was today informed by Three that my (well, our, but they're in my name) phone contracts have been cancelled. At first, I thought 'okay' but upon reading the terms and conditions I find this: Cancellation Fee: means, for Pay Monthly Customers, a fee ch...