Thank you Melanie for your advice, as you can see I haven't actually missed any payments and not likely to, so i should be ok!

Hi,at what stage or limit would a mortgage company start repossession for arrears of £350? My husband lost his job and in January I negotiated a reduced payment of £400 with my mortgage company, however since then and up until then we have always paid our full mortgage payment, last month i paid an ...

Hi Clare, I have worked for the NHS for 17 years and have never seen the job situation so dire! Has your local hospital got a Nurse Bank Scheme? it won't be a regular income but it will get your foot in the door and able you to gain post-reg experience. I am a ward manager but luckily my staffing le...

Hi there we had dealings with Beneficial finance last year when we applied for an IVA we had a loan with them of £15,000 but weren't the main creditors First Direct were, they were a nasty piece of work, we had harrassing telephone calls from the area mangaer threatening us with bankruptcy as he wou...

thanks for your help, i think you are right! will check with work today

Hi all i completed a f&f settlement on our iva in sept 2007, just wondering and need advice really i work for the nhs, and have just taken over a new job within the community, it has come to light that due to the mileage i do every day/week/month that i am eligible for a lease car, my concern is do ...

Can anyone answer this for me, I completed a f&f IVA Sept 07 so in my wisdom decided to write to all our credit card companies and our old bank to make a request to reclaim credit card charges, first direct have been marvellous and sent a cheque to me within 5 days, however Capital One has not, I re...

Sorry can't help you with that coz we made a F&F which was accepted in Dec06 and they didn't ask for our money until May07, then we had our completion certificate Sept07.

Perhaps I'm being naughty here, its seems a very grey area but why don't you set up a new basic bank account and just pay your profit from ebay into that, your IP won't know you have the account so you don't have to show any statements.

I was given the same advice as well by my IP, I cancelled all the direct debits, opened a new bank account with a different bank, then made sure my mortgage and utility bills were then paid as everything else was included in my IVA.

OH MY GOD! I can't believe some peoples audacity, people like myself who have had years and years of stress, worry, embarrassment of being in debt have not taken the decision lightly to enter into an IVA process or Bankruptcy some people on this forum after reading the stories were on the brink of s...

i had my example letter from www.moneyexpert.co.uk, the website is set up by a bloke called Martyn Lewis, more often than not he has a slot on GMTV, if you have not completed your IVA then it will be classed as a windfall and have to be paid to your creditors. You must state in the letter you want a...

just explain to them your situation and how stressful it all is, most of the creditors were sympathetic except for HFC bank, they hounded us with calls every 5 mins, then when we did answer they were abusive, frightening even to the point where the regional manager threatened us with bankruptcy, he ...

will it be deemed as a windfall even though we have our completion certificate

I WROTE A LETTER TO MY PREVIOUS BANK FIRST DIRECT WHO WE WERE WITH BEFORE COMPLETING OUR IVA TO RECLAIM CREDIT CARD FEES, WE HAD A LETTER THIS MORNIG OFFERING MYSELF A GOODWILL PAYMENT OF £80 AND MY HUSBAND £30, JUST WONDERING SHOULD WE ACCEPT OR DECLINE IN THE HOPE THAT THEY WILL OFFER US MORE, ANY...