So it’s 5:57am and I’m up again with worry and anxiety about my IVA, I feel as though it’s all I ever think about. Even looking forward. I’m 29 years old and less than a year in I got a promotion at work which was great but then got hit with the higher payments for my IVA. I only started with 8K in ...

Thank you so much for you advice - do any of you or have you had to keep receipts to evidence your spending?

Hi All I recently got an IVA in March 2021 - I wasn’t guided very well into it and have since have had disaster and sleepless nights thinking about it! I have redone my expenditure today and sent it in for a review - the reason I struggle is I forget to keep an eye on what I’m spending! I was thinki...

When I put the offer in they would be able to see the money borrowed as it’s gone into my bank, with the offer being so early in my IVA would they want to check my accounts again?

I am six months into my IVA paying £90 for 60 months. Unfortunately I was in a very dark place when I applied for my IVA and was so happy to get creditors off my back I didn’t read the agreement in full. Now I am 6 months in and I haven’t declared my bonus which is £188 per month (my 10% allowance i...