Hi there, I have posted this question in another online forum, but have only had one reply so was hoping to get some more specialised advice over here, please? I completed my IVA last year and now all defaults etc have dropped off my credit reports (YAY!). But despite this I have recently received a...

Thanks again for all your comments, it really does help to ask advice from people in the know! I think I will try and 'formulate a plan for presentation' and bring that to my IP first of all. Something along the lines of using my grants/bursaries to pay the bills and get a part time job to pay the I...

Hi, thank you very much for both your comments they are very helpful. In answer to your question, I would not want to put off these studies as I'm now 28 and really want to start getting on with my life now I know I can handle my finances at last! I know it's only a couple of years but if it is poss...

Hi I'm currently just entering into year 4 of an IVA, which I have kept up to date with andhad no problems so far. After an increase in my wages I am now paying around double what I did in the first place, and have been doing so for a while. What I need to know is I would like to return to full time...