<t>Really depressed need some help.....<br/> OK so I have posted here many times and I don't mean to sound rude or anything like that so please don't read this as if I am being rude (sorry I find it hard to explain what I am trying to put across sometimes). Here goes; <br/> <br/> I am currently due ...

I thought it would be nice to share life experiences when on IVA. Has anyone gotten depression or has it gone the other way and been a positive experience?

<t>So many questions.<br/> Sorry about all of my questions, I am so anxious about my annual review just want it to come now and get it other with. I find creditfix staff on the phone can be either really helpful or awful and just stress me out even more so that's why I want to ask these questions on...

<t>Childcare costs. <br/> Just looking through my income and expenditure figures which were produced in Feb this year when setting up my IVA. At that time, because my son was under 5 years of age he was entitled to the 30 hours of free chidcare. Since July however we have had to pay for childcare in...

Partners overtime....why wasnt my partners overtime included in original income calculations. Im in a single Iva do they not include solvent partners overtime? My husband gets overtime some months and nothing for others but he isnt in the Iva. Please can someone explain...many thanks

<t>Creditfix annual online review in single iva<br/> I just wondered if anyone has done the online review did it work, did it mess anyones payments up? I have a single iva my husband sometimes pays for food shopping from hia account so how would that form part of the online report? Can you call cred...

<t>So im in a single iva. I share a bank account joint account with my husband who isnt in an iva<br/> So we both pay in money every month into this account to pay bills. My husband pays £250 to a credit card in his name from this account. No particular reason my husband set up a payee and at the ti...

Currently with creditfix. On income and expenditure gives my husband who isnt part of the iva a debt allowance of £800 a month. How is this monitored in the annual review. Will they need evidence that he is putting this much towards debts per month?

<t>Anyone else been sick with worry for IVA review? So my review is coming up soon and I am sick with worry thinking about it. Will my accounts be scrutinised, will all of my outgoing to be frowned upon. I have nothing to hide but cannot help worry that creditfix will put my monthly payments up. Ive...

Annual review questions

<t>My iva is in my name and not my husbands. we share a bank account where the bills are taken from and we both have our own personal accounts. creditfix say for my annual review, my husband will need to show his own personal bank account as well as joint account. Has anyone else had to do this? I k...