Hi I quiet agree with the fourm, for my family and i BR is our best option and the only option i have a skill and education is very important in my job so i want the best for my family. I have paid out my debt twice now no more i will be fine in court and BR is not the end of the world, first time r...

Hi

I was not pointing but advice is free and the assests of the house is the best assest (all debts would be free)hi Skippy yes i dont no Savanna disability and perhaps i was wrong. i just don't want someone to full into the IVA Trap when there debts can be sorted via property.

Regards.

Neil

Hi I have just contacted http://www.insolvencyhelpline.co.uk/ and was told that under an IVA all moneies are paid into a high interest account and after the 5 years all monies are paid to creditors and IP'S. I aks about p_h and his situation and the guy could not understand why his debt had expanded...

Hi How nice is the Government to allow this to happen i'm sorry but IVA companies are the face of the Government. Iva companies earn money on the POREST people but intersts in the bank is equal to all people. Regards. Neil Any poster taking advantage of this forum to publish unsubstantiated sweeping...

Hi Cindy

I would say he has told the solicitor everything and its for you to prove he has not, now its going to cost you to speak to a solicitor is it worth it.

Regards.

Neil

Hi

I would brush this aside how many years ago were you silly? they would not send a company like this to your door, if the courts are looking for you the boys in blue would be knocking.

regards.

Neil

Hi Andy Whay i'm saying p_h is working abroad to pay his debt off but the debt has expanded with interest to the origional debt he had. I know they get more back in an IVA but people that i'm meeting are going BR before the banks get any money is this right and i'm sure with the current situation la...

Hi Soulgrowth

Well done education is very inportant and i'm sure you will do very well

Regards.


Neil

Hi

I quiet agree you have to do what is right for you today we went shopping £67.00 and some items were buy one get one free we never went over the top. Eveyone makes up there own mind in which way they want to go but i feel that all IVA'S will have to change there practice.

Thanks.

Neil

Hi p_h Most people who i talk to are going BR because i was led to believe that my debt was being paid off then when the IVA Council told me that i have to pay my IP first i was in shock. My head was spinnig when i signed all documents but do you know who i feel sorry for is the banks because they w...

Hi Thanks for your support but for my situation and people like me the first solution is my health and family, if i carry on in the IVA i would end up in hospital because stress can cause a number of problems. The law is very complex with BR but it does have its good points. If i was to stay the cou...

Hi I have been in a IVA for 1 year 8 months never missed a payment my problem is my drinking has got out of hand and now i'm taking kalm tablets everyday because there is no end to the debt. Today i'm stopping to drink and hope my hands stop to shake but for the future i know i have to go BR, my wif...

Hi Savanna The best bet is to sell your home pay off your debt and learn by your mistakes it would meen moving into a smaller house and things would be tight with 5 children. You say you are unemployed (disabled) there are jobs out there for you i see 3 people every day going to work who are disable...