I've just received the letter confirming the failure of the IVA this month. I havent paid into it since last July - the advice my practitioner gave me was miss 3 payments and the IVA will fail by default. I might get to raise £480 by July this year because some of the household goods will be paid of...

A car isnt 100% essential for me at the moment. I could argue that I do need to get to the hospital quickly sometimes, for on-call, covering sickness, major incidents and the like. As for day to day travel, the hospital i'm at now is a right royal pain to get to by public transport, and would add an...

Its a pass that allows me to use the buses and metro anytime in Tyne and Wear.
Work would take an amount from my salary for a yearly pass, it works out cheaper than running a car anyways

Cheers

KC

Ok,

Thanks all.

I'll get the car sold and try to keep the surplus from being lost on such things as toddler gates and a bigger pram etc.

Take Care

KC

Hi, Thanks for the prompt reply. Hmm, I'm now wondering if selling the car is indeed the right option at the moment then. The excess money from it's sale would have come in handy for paying off credit in my wifes name for some of the houselhold stuff, which if not paid off by summer will get an expe...

Hello All, Thank you for the replies :) I'm getting rid of the car to save money per month too. I'm hoping to get £2000 for it, although the way things are going it'll be sold to a dealer for £1200. Once I've removed my £485 will I have to keep the rest intact as an asset? Truth be told, the remaind...

I live in council rented accomodation with my wife and son. I have recently been declared as failing an IVA, after changes in circumstances have meant that my outgoings are equal to or even greater than my income. Nothing in the house is in my name, we've furnished the house from scratch using credi...