Hi Yes they do reflect changes in income, such as arrears on gas/electric being completed, car loan being paid off etc. In the meantime though our gas & electric has gone up £30 a month anyway!!! Thankyou so much to everyone who has taken the time to respond, it helps just knowing that people genuin...

Hi I am a teaching assistant so my job probably won't be affected then. It is written in the IVA by debt free direct that as I am a local authority employee bankruptcy will mean I mat lose my job and creditors will not receive any money!!! We really do not want to go bankrupt though due to the socia...

We are with Debt Free Direct.

As I work in a school my employment could be at risk so bankruptcy just isn't an option, we don't own our property though.
Once you are in an IVA is it possible for another company to such as yourself to re-do one if it fails?

Hi Our total debt was £21,539.78 Our repayments were months 1-5 £78, month 6 £192, Months 7-8 £227, months 9-12 £253, month 13 £403, months 14-24 £425, months 25-31 £467, month 32 £382, months 33 - 60 £686. A debt management plan was never discussed, we were told that we fulfilled all the criteria f...

We have been in our IVA for a year now, and have missed 2 payments due to unrealistic payments being required. The payments seemed fine at first but then our dog was really ill and huge vets bills and our son was in hospital.We are now behind with counciltax again. On our IVA we are supposed to pay ...