Hi all.. Hope someone can help.. In 2008 I wnet through an Iva.. But unfortunatly I couldnt keep up with payments and went bankrupt in 2010.. So when i went bankrupt I never actually ended the Iva completing all payments as I went bankrupt.. What my problem is, Is that The Iva is still showing up on...

Thanks all for your help.. And thanks Helen i just hope one day things will look brighter to be honest everyday the fact that i am in debt gets me down so much and has made me unwell.. :( But as all of us know in a way its really our faults & i regret it each and every day.. :( But anyway this compa...

Hi.. All.. Long time since being on here.. Doubt youve missed me rofl :D But anyway on a more serious note.. I had been payin into my Iva since april 08 and ive decided to take the bankruptcy route now as im not a homeowner still living with parents and all the things that would make bankruptcy a be...

Shull_b Omg thats soo my motto now.. If you cannot afford ya cant buy it.. I think we all have certainly learnt from our mistakes with money and how to go about it.. Because being in debt is one of the worst feelings ever..

Thanks once again for all the advice

lol About the pun! haha Thanks all

Sorry its me again lol :P Ive been thinking tonight.. Am I paying to much on my IVA im on?? Basicly I was in debt totaling: 14,837.25 MY Iva Which was accepted last April was a total to be paid of 12,660 I pay 211 pounds each month to my Iva.. Is this really good?? OR have they made me pay more than...

1st off.. Just to let you know.. Ive decided not to go through bankruptcy & stay with my Iva im on.. :D I'm sure i can manage.. Thanks for all your Advice on that matter :D But anyhows.. My main Question..Dont laugh.. :P Dunno why you would but there you go.. lol :P I was thinking about joining the ...

Thanks for all your advice :D And LoneRanger thanks for pointing out the facts that deep down it sucks being in an IVA!! Even though it helps put all payments into one making it easier to control as such..:S Ya really know how to make a person feel better!! " A lil bit of sarcasm there " haha jokes ...

Haha i know what you mean gotsofar.. I just want to go out and be happy & carry on and be-able to enjoy my life.. But obviously i put myself in this situation of being in debt.. I have soo learnt from my mistakes & I would never let myself get into this situation again.. Because i know the stress it...

For sure Skippy13 its not a easy Decision.. Ive been feeling nervy today at the thought of going BR.. Its brings back memories of the stress / Panicky feeling i went through entering into an IVA.. Can i aslo ask.. If i do decide to go ahead with BR and it fails.. Can i go back and continue with my I...

Aww thanks Julie... All the best to ya xx

Thanks Melanie.. :D I always respect your advice as its always good advice.. Thank god for that hey? haha And yes it certainly is a shame that when i entered into an Iva they did not put across to me the option of BR because it could have saved me having to go onto an Iva. Im not saying the Iva has ...

Thanks, Both rayb & swans_girl for your friendly advice.. And Julie.. If i do have problems filling in my BR forms etc I will ask for some advice if that ok.. :D Im still debating whether or not to take the BR route at the moment anyway.. The thing is.. If i go through BR Its going to be a bit of ha...

Hi.. It's Been a while since ive been on here.. And a Big hi to all who remember me when i was in the process of entering my Iva.. I hope all of you are doing ok & getting the help you are after.. Anyway.. Ive been on my Iva for just over a year now.. & because i live in a rented property with my pa...

Just a general Question: Im only near to the End of my 1st yr on my approved Iva, My Question is: If I could get the remaining balance together to pay off my Iva early would that be a possibility?? Or do you have to keep paying the whole 5yrs as stated what ever situation.. Im sure payng it off earl...