Does anyone know if you can add an outstanding utility bill to your IVA after it has been running for several months. I explained in a previous post that due to Scottish power cancelling my Direct Debit, they sent me a bill for £226.72. I have been paying them £25.00 per month for the past 5 months ...

I have been on the phone to scottish power again tonight. I have got absolutley nowhere with them. They are still saying I need to clear Bill of £226.00 before starting direct debit again, then they want a payment of £81.00 per month. That is £56.00 per month more than I have been paying ontop of th...

Hi, thanks for your advice it is 226.00 total. No the bank did not transfer d/ds just sent letters to everyone saying I had cancelled their d/d making everyone think we were not going to pay them, when I had sent everyone letters before cancelling.

I have been paying £25.00 per month to scottish power for electric. Sent them a letter to change bank details for direct debit. They said sorry can not pay direct debit need to clear balance first £200.00. I said all i want to do is change banks and carry on with the direct debit, and increase payme...

Hi,

I renewed my car Insurance earlier this year. I am with the post office. I drive a vauxhall tigra and it is £17.05 per month third party fire and theft. I was paying £38.00 per month last year with Tesco. If you have not done so already go onto www.confused.com to compare prices. I am glad I did

Hi all,

Did anyone include sky tv in income and expenditure. I did not include this as I thought they would look at it as a luxury. Not really a luxury when you can not afford to go out.

thanks melanie, does not sound like a bad idea to me. Perhaps I should look at it a different way. Carry on for the full five years, and use any extra money to enjoy Holidays etc. or save for deposit on house. I suppose should be really grateful that we do get the extra money to spend how we wish wh...

Thanks andy for your advice, although not really what I was hoping for. I just think life is totally on hold until the IVA is paid up. We want to be able to save to buy a house again, this is impossible with the IVA. In another four years I will be 46 and Hubby 48, not ideal to be taking out a mortg...

No I am renting. Part of why want to finish early to start saving for our own house again.

Like many of us, we would all like to be able to finish our IVA early if possible. I am hoping maybe December 2009 if I am right in my workings out.Original debt £38,000 paying £266.00 per month, which works out to £15,960.00 paid back over 5 years with a 25p in the pound. By December next year we s...

I would say do not let them bully you into paying more if you can not afford it, we were asked to pay another £20.00 a month for creditors to accept. We said we could not afford anymore, other alternative would be banckruptcy, so they all agreed the following day.

thank you all you are all so kind. So many of us have been through the same thing, it is awful but I am also thinking of you all. Anyone right night feeling stressed about our money situation, nothing in this world is more important in our lives than family and friends, they can not be replaced, the...

thank you all so much for your kind thoughts x

Thank you viki for your kind thoughts x

I am feeling really sad today. It is three years today I lost my 41 year old sister to a brain tumour. The time has gone by so quickly, but it does not ease the pain. I miss her so much, and can not stop thinking about how awful it was getting the call to go to the Hospice as she was dying, and tell...