I would do paul but as my job involves agricultul driving where we dont stop for breaks my working hours overlap the hours there open

Thanks Kazzafunk, Currently im just keeping head above wate, i also have copies of the sent mail with date and time sent on them, Food wise im more concearned about when we get round to the drop of income to near 0 come jan time,

Well after a good first 6 months our lives have taken a major change. First we had to move due to our last naighbours harrasment, agression and threats and our local police and anti social teams inability to want to get involved of fear it may make it worse we then got a massive reduction in our ct ...

Thanks for the messeges. Ermm as for the money for bankruptcy, Really tight belts for a few months and since we decided to go into the IVA 9 weeks ago we lived within our budgets and also kept the money back that would have been the IVA payment to make sure we could live without so theres 2 lots of ...

Im sure with your wifes, as she is in a different position she will be fine I.E illness.
Where in our position my wife is okay to work but would cost us more at the mo for her to work

One of her creditors wanted her to apply for employment ASAP. They dont think things to well to do this we would need a car so running cost would need to be sorted aswel as funds to get the car. Plus im on lowish pay so we get around 80% rent benifit and 60% ct benifit. Add to that 41p to the pound ...

To be honest it was more so that creditors would have got a bit back if we went down the road of a IVA which we both prefered. Plus i have a few items on Hp.

Think my debts make up around 70% of our complete debts so in that sence its a good result.

Well Thats that delt with. Mine went throu without any mods. So that was pleasing. Unfortunately both me and vicki have decided to not go ahead with hers as the mods put forward was unrealistic and unafordable and to be honest after going over the I.E many times i can only use the words brain dead. ...

Well just had one call but got to wait 15 min for them to ring back. The was regarding vickis iva, And the fact one of the creditors want her to seek work. Told them on the phone that if it comes down to this then the IVA would not be accepted by us as we have a young child and lack of jobs in this ...

Hi not been on for a while as been busy at work but to let everyone know, mine and the wifes Iva meeting is to happen at 3.00 today. So after 9 weeks we finally get to the vote deadline.
Will post back in a bout 30 mins to a hour.

I do email everything to them althou these had to be returned by post, They sent my proposal to me a few days ago. i did the fine tune comb read of everything including every term signed and sent back same day. it was received the next day so it seems selective with the post. i think its more along ...

Thanks all, rang them and spoke to them. they are just doing a final check before setting a meeting up, but also said there was a delay in post of my letter to act getting to them. they got it 26 days after i sent it

Hi just a quick question, Im going throu with payplan and just wondered how long average it takes for a IVA to be set up. The reason im asking as we first contacted Payplan just after the new year, I spoke to them this morning to find out what was the hold up as we are now into the 6th week, There r...

Family time is vital as its so easy to neglect family at times.

Forgot to add if anyone knows of any good recipe sites out there they could direct me to ill be very grateful

Regards

So still pre IVA (proposal been reviewed) But just wanted to say and share some of the changes that even moving into a IVA as made to me and my family. Since we first put together the I&E we decided that from day one we wouldnt go outside this, We made some changes in our lifestyle and this as made ...