so damn frustrating

there is many reasons why i cant go with it now, and id rather not say what but as soon as im able i will push towards a IVA
wouldnt care that loan finishes next may GRRRR

i didnt know that was in joint names till today thought it was just in mine, no all the others are mine and his in his name

i want to know if this joint loan will make him have to be in an iva also before i phone

not yet no

hubby just told me the loan i have with marbles is in joint names, now how does that work with a iva?

now thats confusing

thanks im looking now xx

so you can have sky as long as a basic bundle, phone, internet i read it i couldnt work it out whats ccs?

really i thought it would of been classed as a luxury as well as a phone

oh i will hun, need to sit and write this list of things i pay out, sometimes im thinking god i cannot add that like the internet
but if you can i will

did you get a IVA approved viki

ok just dont want to add things to my list if they are not feasible thats all

whats ccs? allthis is so confusing
im a single parent with 2 kids one 15 one 5 how does housekeeping work with that, also son is in the air cadets and that costs £15+ amonth can i add that to expenditure?

I am on top of the world. My IVA was approved today at 25p/£ [:p]. I am still in shock and am ecstatic. Melanie, Melanie, Angela and Sarah, you are all stars and have been wonderful, thank you so much. We can now move on with our lives, learn a huge lesson from this experience and live happily ever...