Hi mel....Thankyou for your reply. Well to be honest, i panicked last year and just went forward with the i.v.a without looking at bankruptcy...Maybe as the position i'm in, bankruptcy would have been the best option, as single, don't own property...my annual review has just been sent to my i.p, so ...

Hi james06 and welcome to the forum If you continue with your IVA you will simply continue to make the payments you agreed to, which include the IP's charges - so there will be no more fees that those you originally agreed to pay at the outset. It sounds to me as if you are getting fed up with the ...

Hi there.. Thanks for the reply.. i'm currently paying £260 into my i.v.a.

i am currently in an i.v.a, which has been running for 12 months. I am still struggling with my costs as live by myself. I earn on average £1,100 per month and my disposable income is around £900 per month...i am concidering bankruptcy as rent my property and basically think my credit rating is wrec...