Hi all ..many thanks for all your help . Basically have spoken to my IP and trying my best to explain with work getting quieter , my wage which is flexible , is not really extending to paying the IVA in full for last two months , that things are not looking realistic to continue the IVA . I have ask...

Hi Hi I'm currently in an IVA and weighing up my options of bankruptcy due to quality of life and reduced wages ...I was wondering if anybody has had positive or negative dealings with bankruptcy365, who I found on the bankruptcy forum ... . I wanted some impartial advice on bankruptcy and John did ...

I am a year into my IVA and have put aside the flash hotels and villas , trading it all in for a SUN holiday in July , to Somerset .I have a feeling it will be more fun than keeping up appearances of borrowed money in a posh hotel ...!!

Hi All Just wanted to drop everyone an update , David , Michael , Melanie and all the others who helped and gave advice re asking for a variation , due to salary being variable and gone down since taking the IVA out in May last year , that I managed to get a reduced dividend from my creditors!! This...

Hi All Just wanted to keep David and everyone who is interested informed that DFD have been most helpful in putting forward a reduced dividend to my creditors , through this rather tough period economically at work and across the world .To then review things yearly for hopefully a better dividend Wi...

Hi I am going through a similar situation and in similar position . I have had a reduction to my wages , taken as monthly average for IVA purposes of around £300 . My partner has also dropped £200 . My company DFD have been so far very understanding . They have reviewed my position bought about by t...

Hi

Natwest were good for me . A basic STEP ACCOUNT has no overdraft and comes with online banking and debit card . No credit checks ..

Was up and running in no time ...hang in there it does get easier ..just ..lol

Hi All Just a quick note to wonder how long I should wait from my phone call on Monday this week, with DFD , discussing the ins and outs of my reduced salary and variation claim , to bothering them again to see how they doing . They did say would call me within a couple of days . Anyway maybe they a...

Thankyou everyone will keep you posted . Thanks too to David , I will let you know the outcome and see if more ways are needed to get through ![;)]

Hi All Snowed off at work today so just wanted to say got a call from DFD wanting to talk about my new situation regarding decreased income . Am worried that without a variation then it could be BR due to the basic economy really ..They were very efficient polite and going to go to the variation sup...

Hi Everyone Well I have been most astonished by everyones advice and support here , just checked back in after a busy weekend and there have been 17 posts!!Thanks all... I thank David for your help in having someone senior in DFD to take a look , obviously its who you know in this forum ..lol.If you...

Hi Swans Girl Thankyou for your reply , I have been told to keep up with the same amount , which is not going to be realistic . Will try and phone and chat but they seem pretty imovable . I have a fiancee who is happily sorting the wedding for next year , so a bit up in the air at mo . I guess a lot...

Hi All Not sure if its a low point or im just being more realistic than DFD seem to be in my reviewed circumstances , of earning less money , about £200 less than when I started my IVA in May . With everything I wrote and explained about the dental market and its big fluctuations monthly , three pay...

Hi Reesh Do hang in there . Has come as a bit of shock . The worse thing for me was to tell my parents about my debts , Dad's look of disbelief and the sense of letting him down was awful ! The next was explaining to my fiancee of two months that I was not so affluent as she thought with the BMW Con...

She lives with me , though not in debt!