In the circumstances the offer looks a good one, considering, if the IVA fails they will get nothing more ! In the immediate meantime, ask the IP to agree a payment break, so you need not make any more payments while waiting. I doubt that the creditors would get anything out of bankruptcy, so that ...

In the circumstances the offer looks a good one, considering, if the IVA fails they will get nothing more ! In the immediate meantime, ask the IP to agree a payment break, so you need not make any more payments while waiting. I doubt that the creditors would get anything out of bankruptcy, so that ...

Hi me and my wife have been in an I.V.A for 3 years now, when we were accepted it was such a relief and gave us a fresh start. For the first year or so it was great all was going well the odd unexpected bill came up juggle a few payments around no problem!. We have 3 children (Age 11-17) one who sta...

Just wanted to add we switched our bank accounts to a joint coop cashminder which is great no fees! As soon as we got through the door to apply for a new account they were trying to sell us their great deal on a new credit card then i said we were getting debt advice and the personal banker was grea...

Thx for the reply foggy added a little more back ground info added to 2nd post

Does anyone have any comments on the condition of seeking fulltime work as i work 42 hours a week and with the creditors suggesting my wife works over 37 hours this doesn't seem workable! part time yes but 37 hours a week not too sure we have no family close to look after our 3 kids and child care i...

Hi all I think i have read most of the posts on this site and the advice i have read has been of great help to myself and have given me all the information for me to get my finances in order. I started to get into debt about 10 years ago which then was managable about £5000 but over the last 5 years...