MBNA you seem really negative about the whole IVA process. I am 27 and got left in the position of needing an IVA after my then partner spiralled us into debt. I walked away from a horrible relationship saddled with the debt and have worked really hard these past 4 years to pay it off. When next Dec...

Great thanks guys. I am really pleased to be coming to the end of this but I am pleased to report that I am a budgeting genius and will never ever use credit again. No need to firm policy of save then buy and it has worked these past four years. I think I was lucky compared to others I have read abo...

Hi, I am in the fourth year of my IVA and this Dec I hope will be my last review. I have to date complied with the terms of my IVA and have not defaulted once. And if I continue like this my creditors will get what was agreed. My question is this. Obviously this dec at the anniversary of my IVA I wi...

My work have recently opened up the option to enter their share save scheme. My question is this. If I do not reduce my monthly payments and manage to pull some money together to commit to this am I allowed to join the scheme? It is an invest for me that will be released in 3 years at least I will h...

Hi, Hoping you can help. I am a little confused. I am three years into my IVA this Dec. When I set up my IVA I was told that I was not allowed to contribute to a Pension under the terms of an IVA. I did not question this at the time as was in such a mess. Now three years on though I have changed com...