Unfortunately it is only part time work at the moment (16 hours) and currently only for a fixed 1 year contract. So a bit hesitant to go back into an IVA if after a year i can not sustain it. I currently pay £165p/m on a DMP for outstanding debts of around £3500 so shouldn't really take that much lo...

Thanks for this advice, I spoke to our HR department and outrightly told them my credit rating was a bit naff and they have said that its not a problem - as you say the company is liable for it.

Hi all My temporary 6 month contract has ended and my company want to keep me on and have offered me the job role of procurement - which is basically researching and purchasing goods and supplies for the company. The current person doing it is in charge of the company credit card which i will be doi...

Hiya, I entered an IVA in May 2008 and due to other circumstances, by december 2009 i could no longer aford the £300 a month, went for 3 months not doing anything and finally entered a DMP with the same company so they had all details of creditors. Been paying £150 a month for the last 6 months and ...

I have been in an IVA since May 2008 and was doing ok with the payments of £300 a month until i had to leave my job in October 09. I am a single parent of 3 and my hours of work were not working out with having to revolve around my middle son just starting reception at school. My work offered me an ...

I dont have an overdraft, i wish i did but nope and i've never had one with the bank i am with. I do however have a electron card and cheque book which i use to write cheques to my childminder and nursery. The problem is when i write the cheques the money is either there or going in the next day but...

i have phoned the HMRC and i seem to have paid quite a lot off - one now stands at £38 and the other £139 so only have a few more months to pay it off, but if it can be included in the IVA then that is an extra £55 to cover the other things that are causing me to go overdrawn and hopefully stop thes...

Hi all a few months ago i had a letter through from the tax credits office and i have 2 overpayments there to pay back - dated from 2007 - i am now paying back £35 a month on one and £20 on the other. Also when we moved i got my gas bill through and although i was on a payment meter the previous deb...

I a with money debt and credit, not really had any problems with them so far so good.

I spoke to someone in post appointments and actually to be honest i have no idea of my actual IPs name, unless i dig out the paperwork and go direct through to her.

Hi I phoned my IP today about advice for a student loan and i would not be allowed to apply for a student loan whilst in the IVA because its seen as "additional credit" so that means putting my university education off for another 4 years, by then i will be 32, its going to take 6 years of universit...

they are £270 a month, which on paper i can pay but recently with the moving and everything that goes with it, it has been harder.

I will talk to my ip on friday anyway when i phone to pay this months installment and see what they suggest.

I had no debts with my current bank prior to starting my IVA, i just used it to have my child benefit paid into and then started using it as my main account just before getting into the IVA. I dont have an overdraft on my account, they allow money to go through and then charge me for it!!! I cant af...

After the bank taking £235 from me this month and the past few months anyway between 80 and 200 i a seriously considering requested my bank charges back, i've looked into doing it and believe i'll fall into the "hardship" category, seeing as i am in an iva and these charges are brought about my DDs ...

Hi all, I am year 2 into an IVA and now my children are all nearly away to school - youngest starts september 2010 - i am looking into finally starting my university education which i deferred twice before due to the children. Anyway, what i am asking is will i be able to apply for a student loan to...

Hi all We moved house last month and am still waiting for BT to come and install a phone line and so far, in a month i have topped up my mobile phone by £80, (£10 a time, previous to this i was topping up 10-20 a month!)I need to have credit on my phone so that i can call various companies and schoo...