I have applied for a new role at work, which would mean a small increase in base salary. But a change from working part time to full time. Meaning my income will go up to approx £450 more than present. As a result of the possible new role, it could mean new childcare expenses, mainky after school cl...

Thanks for your replies!
I've tried contacting but no response yet. I really don't wanna turn up on the night and be refused!
I hadn't even thought of winning anything! Thatd be nice! Obvs less than the £500 tho!

Hi! A group of school mums are going to the bingo for a birthday celebration. We've been online to register and they have all been abke to no problems. When I register it cones up saying there is an error with my registration and to contact them. Which i have, but NO reply yet. Then it dawned on me....

Hi all

We are needing to get a new mobile phone contract. Anyone know if this is possible in an IVA??

Hi all We are 3 months into our interlocking IVA. My partners work is becoming intolerable for him and he is looking to leave ASAP. He would sign onto an agency and look for work immediately so hopefulky he will be able to work a 4 week notice period at his current place. Then start new somewhere el...

Hi Our interlocking IVA was approved on 23rd May :D All our credit accounts are still showing as open with the current balance. Interest still being charged and late payment charges being applied. We have recieved default notices on all accounts and they are now 2 months in arrears. How long does it...

Ahhh wow!!
Just WOW!!
Thank you so much xx

Will email now x

My meeting was at 10am last weds....and I got a call at 10.09 to say all accepted.
Now that might just be super quick and efficient but I'd sit on the phone until I got some answers.
Good luck

And breathe! Our meeting was at 10am today and I recieve a call at 10.09am saying that our interlocking IVA has been APPROVED!!!!! At 44p in the £. The relief is unbelievable!! There were some modifications but they all relate to the IPs fees and have NO effect on our payments or IVA terms!! Thank y...

Hi all Our wait is almost over, our meeting is on Weds 23rd at 10am. The emotions are too much at the moment and I cannot stop thinking that our creditors will reject.....and then we will be made bankrupt. Our biggest creditors are Barclays, Tesco and MBNA. All hold enough clout that if they reject ...

I will let you know on weds!! Barclaycard, Barclays overdraft and Very are among our creditors. Our meeting is on 23rd @ 10am. Very nervous

Thanks for the reply foggy How can such an error happen though! I can't see any other explanation. Do you know where we stand I terms of this paperwork that has been sent to our creditors being so different from what we signed for? Clearly they need to amend it and resend......but is that even possi...

Hi We recieved notice of our creditors meeting today.....23rd May!! Excited but scared. After reading through the creditors meeting paperwork today I am very worried. In our proposal we signed for 44p in the £ for IVA. Bankruptcy figures 50p for myself and 44p for my partner. On the CM paperwork it ...

Hi all. We recieved our first proposals on 11th April and we had some concerns over some of the wording and the value that had been placed on our property. It also showed bankruptcy as being a much better return for our creditors which really concerned us. As due to the over valuation of our propert...

Hi all.

We have recieved our IVA proposals this morning and have downloaded and printed them. Before we sign, any advice or hints of special clauses we should be looking out for?
Many thanks