The other half shouldn't be sucked in, unless you use Payplan, as they operate differently from most and use household income. I hope they only use mine! Spoken to Stepchange and looked through here and seen posts advising to talk to PJG, MCD and VB - are they all equally good? I found some posts t...

If you apply for an IVA, does your IP ask you to declare all accounts that have anything to do with you or do they find out from your credit file? Are children's savings accounts and DH's bank and cards safe (I'm an additional cardholder but only ever use for weekly shop) or would I be expected to o...

Thanks Kallis. Before posting I searched the forum for Paypal posts and read some of your old posts about it so I'm glad you've replied. :) This isn't a business but as well as our old stuff I like bidding for things that are going for less than what recent completed items went for. I relist these a...

Monthly payments are getting unmanageable and from what I've read an IVA would be less of a problem with getting mortgage in future than a bankruptcy. I need to ask about Paypal. We sell bits and bobs we don't wear or use anymore on Ebay and transfer from Paypal to my bank account. I've set up a new...