It may depend if the IVA is seen (as it some times as BR) I know this as we have just gone though this for my husband. I was able to act on my husbands behalf because my IVA is almost at the end of the 6 years (Nov.2011) We went to a private company who does this work and people who are BR are not a...

I think 9 is very true why do people want to mend whats not broke?

Andy I would buy yourself some armour at the same time as those i-rons can hur when thrown

Jan

Great post, just shows how you can still have a good time celebtate birthdays whilst on an IVA with out geting into debt.

Jan

I had permission to look for credit to pay for my car that I had leased.I too paid the set up fee that I could no afford and did not get the loan that I was led to beleive was available, having been giving the repayment amount. I was lucky that my mum loaned me the money to buy the car.

Jan

Sorry Up to my neck to hear about your cats so sad, We lost a cat a feww years ago he got trapped in an illegal trap and was there for several days before he was found, I won't say what state he was in as it is too sad. I am going away tomorrow for a couple of days and my neighbour is feeding the bo...

Well done Skippy, Like you my tummy still does a back flip when I see an official letter on the door mat, I know its nothing nasty but old habbits----.

Enjoy you celebration with your friends.

Jan

1)Think before you buy, do you need it? 2)compare prices before you buy. 3)Only take a certain amount of money with you when going out means you don't buy that thing on impluse. 4)Try to have at least one day week when you don't spend any money. 5) look in charity shops for good quality clothes, boo...

We went into the branch with all out IVA documents but it HSBC who open our account knowing we were in an IVA but then closed it as we become OD because a cheque we paid in to our account bounced and a DD that was to paid out wasn't. I agree its a nightmare knowing which bank is linked to who. I did...

AS Plasticdaft has said it depends on the compay mine (Synergi now Clear Debt) have only asked for last 3 wage slips and never bank statements at the annual review.
Jan

Its strange wth banks I tried to open a basic account with Nat West during my IVA and the computer say no, the person in the bank said that as far as Nat West are concerned IVA is the same as BR. Yet there are a lot of people on the forum who are with Nat West? Sadly the Co-op was one of our credito...

Enjoy your treats flow.
On Saturday I received a cheque for £75 totally out of the blue. My mum and I are going away for a few days next month so that will go nicely towards it.

Jan

Congratulations I paid my last payment in April so I know what a relief it is.

Here's to the future.

Jan

It is traic that some one felt so low that death was the only option they could see. It is a pity that this Forum couldn't be advertised I am not saying that being a member here would have changed the outcome but perhaps he wouldn't have felt so alone and could have had a forum to discuss the proble...

Glad you have tasken the first step, the only way to go now is up.

Jan