Hi Desperate and welcome to the forum Is this your first year in an IVA? if it is was the ccj for tax due to the BEFORE the start of you IVA Dave Beech Hi thanks for responding. I have not yet entered into an IVA as I have tried desparatley to fight my corner for the last 12 Months but I'm now runn...

Help! Just had a very frugal christmas as money has been tight for the last 12 months, only to be landed with a demand for payment from the Inland revenue or they will fill for bankruptcy. I have been self employed for the last 6 yrs and have steadily seen my income dwindle as I work in transport in...