I have previously posted about this but now need further advice. Apologies in advance for the long winded post. Back in February somone went into the back of me at speed and completely wrote off both our cars. Now previous to the IVA I had already had said finance car for over a year at a payment of...

I have been in my IVA for around 18 months, prior to taking out the IVA I had car on finance. This was due to end in 3 years and I would have then owned the car. Someone went into the back of me last month and I have had a call to say the car is a total loss. Insurers will pay the balloon payment th...

Thank you for your reply. In terms of paying back I wouldn't be able to afford the IVA and my current bills on a part time wage. In my agreement terms it was stated that I was expecting nothing to change in my job, which was true at the time. In terms of BR I can't find a clear answer about the car,...

Hi All, I have recently taken out an IVA on £31,000 of debt. This started in December. I was already having work stresses before I took the IVA out but didn't expect it to come to this. I work in mental health and have done so all my working life with either children or adults. In the last month or ...

Thanks for the reply guys. I hope they accept and I can get back on track and know where I am month to month. Aw god the vets bills are a nightmare but I couldn't be without her

Hi All, So I have my meeting on 20th of this month. I'm worried about them no accepting as I have around £200 of outgoings in petcare (I have 2 dogs, one is paralysed and requires a special diet and a lot of vets visits, I have insurance but have to pay and £80 excess for every visit over that, I ca...

Thank you for your reply, that's good to know. Need to work it with when I get paid, will keep as much money back as I can to make sure I have the money.

Just another question about the IVA. As said yesterday I am awaiting documents to send to stepchange, this should hopefully be done at the end of the week. If your IVA is accepted how soon do you start making the payments? I'm obviously trying to budget and just wondering if they spring it on you or...

Thank you so much for your reply. Debt is around £31000 in total with 5 creditors, all credit cards. The creditors I have spoken to have been understanding - of course I don't know if this will be the case when breathing space is over. It's just a worrying process and I'm panicking as the things the...

Hi all, so I've been on and off this forum for the past year and after the realisation I was just using my credit cards to keep me above water and with added interest rates I am barely making it through the month - I have taken the plunge to contact stepchange who advised an IVA. I apologise in adva...