Hi, can you please tell what paperwork Stepchange asked for your first review??? Thanks.

Wow, amazing news and thank you so much Foggy!!! Some Christmas presents sorted!!!!

Hi, I am thinking of applying for season Ticket loan provided by my employer to buy an annual bus pass at £950. It is an interest free loan in a form of cheque which is payable to bus company, after that a 12 monthly wage deductions will be made. Do you think I am allowed to get one while in IVA or ...

Hi all, not sure if you remember my posts last year when I when through whole process of applying for IVA and was rejected by Tesco bank( my biggest creditor). Long story short, after a whole year of struggle( I refused DMP from PayPlan due to awful customer service :lol: :lol: and was trying to kee...

Question regarding surplus you need to pay for 3 years in bankruptcy, is it same calculations/allowances as on IVA, or is it different??? Cheers!

Thanks Michael, decided to start DMP, wait for a bit to get Tesco credit "older" and than apply again. Received Chairmans report and MBNA/Barclaycard//Santander/BOS all voted in favour, 52% in total!

How long do you think realistically I should stay on DMP before trying to apply again???

Thanks Foggy I work in supermarket so don't think my job will be affected...Will chat to CAB tomorrow...

Or do you think bankruptcy is an option??? We are renting privately, we share a car with my wife but vehicle belongs to her... Any advice will be appreciated... Cheers

Rejected by Tesco, the main and only reason is that the biggest loan is brand new and they cannot see my circumstances change...Tough but decided to go with DMP for few months and try another IVA later on probably...

Promised to give me a ring today, waiting...

Hi all, it looks like more wait for me... My biggest and newest creditor Tesco came back asking for 3 latest bank account statements. My current account was already closed but managed to get statements in branch, send them ASAP and sitting on a bomb now... Looks like one step of rejection and back t...

That's it!!! Big day tomorrow!!! Creditors meeting at 11:30 am.!!! Can't sleep, even after a hard night shift!!! Accepted or rejected???Do you think decision already made??? Nervous, excited and can't wait!!!!!!!!! Wish me luck!!! Cheers!!!

Hi, just wanted to share my experience regarding bank accounts while entering IVA. Received a letter from Nationwide( who were my current account provider and a creditor with £5000 loan), stating that they are aware of me applying for IVA and simply downgrading my FlexPlus to Basic account with all ...

I am in identical situation, took consolidation loan as a last resort about 2 months ago , it is from Tesco bank and they are my biggest creditor now(just less than a half of my debt). Creditors meeting booked for 10.08 at 11:30 am...