Hi - I went through a charging order on my property whilst I WAS on a DMP. The order was put on 2 years ago and I still continue to pay the DMP and the original amount (so my payment never goes up)event though my other creditors get a raise.

THOUGHT SHOULD ALSO BE GIVEN TO OTHER SECURD LENDING WHICH IS ALSO ON VARIABLE LENDING. I HAVE NOT ENTERED INTO AN IVA YET BUT IF I CHOOSE TO DO SO WILL FACE COMING OFF A CAPPED MORTGAGE NEXT YEAR SO NEW RATE COULD GO THROUGH THE ROOF AND WITH A SECURED LOAN THAT HAS RISEN 3 TIMES THIS YEAR (TOTAL R...

I have been trailing through these allowances and cannot beleive the difference in what is seen as allowable and the amount available that is seen as acceptable. As an example using the same IVA comapny as sully. I have had a draft proposal made up been denied support for my student son, am allowed ...

Hi Lotte - I have been in a DMP for a couple of years and thought it would be a good idea to go for an IVA - I chose the comany you did and found that they are deciding what can and cant be allowed. I have a student son at home and wanted a small allowance of £35 a week to assist with his accomodati...

Unfortunately i gave originals and have no copies

Once again thanks everyone. My husband took me to see family today bcause I was so stressed. I got myself in a spin beacuse I have given this company all of my paperwork (payslips, bank statements endownment papers etc) and I wonder how long it will take me too get it back. DO I need it all before I...

THANKS ALL - I jsut cant help feeling sorry for myself at the moment. I am supposed to be getting a call tomorrow afternoon will let you know what happens x

I have only been posting for a couple of days and my last posting charging order became a hot topic. When I last posted I was eagerly awaiting a call from the company I had chosen expecting them to go through the initial paperwork that I had sent in. As I am just considering the start of an IVA I fe...

Nice to hear some good news.

Its really difficult when creditors call you at work. I have found it so frustrating when they expect you to call them in office hours and you know you will not get home before 6. Even my DMP company closes at 6 and do not work weekends. I am stil so scared about even considering an IVA yes its woul...

Hi All - I have only been posting for a couple of days. I am currently on a DMP - and exploring the possibility of an IVA due to constant hassle from creditors and the extortionate amount I am currently paying through the DMP. the question I have is there seems to be a lot of talk about changing ban...

Hi Lilly - I am a new member and know exactly how you feel, however I have been really heartned by the support that has come form people in the forum. Zoe is right your health and family are more important take care and I hope things pick up soon

Hi All - that is the fact I had to drop food allowance as the advisor at cccs told me that that is the amount allowable for 3 adults. What I actually spend is more in the region of £350- however this month has been different. I have been used to tight budgets now for the last 2/3 years on the DMP bu...

Hi Aly - I am in a similar postion to you with £130K of debt and have been struggling to find a way forward. However I have found that this site has been a big help and support over the last 24 hours keep watching this space I am sure you will get the advice you need

Hi Melanie - I have just read your blogs and was particularly interested in the expenditure what is allowable. Under my currently DMP I has a review in May this year and was told that the £350 per month that I have been allowed for food and clothing for myself/spouse and student son was no longer ac...