Well done Viki I have only been speaking to you for a few days but big hugs and well done!


xxx

That's OK Steve as I am still getting relevant info from this:)

Thanks everybody xx

Lily your a star and so patient with me!!

Another thing, as I am with HSBC my min pay back offer would have to be at least 40% - am I right?

Thanks Andy & Lily!! All very confusing but I knew I would be given the answer on here:)

Lily is that good or bad? Sorry I am not understanding very well, how much do I need to be able to pay back in the pound to get an IVA?

Thanks xx

No Lily my debt is about 55K in total and 30k of that to hsbc alone, my income incl c benefit etc is about 2100 and outgoings about 1650 so yes I would have about £450 spare to offer.

Thanks Viki and good luck with yours xx

Thanks Jan that sounds really promising, I am just not understanding how monthly payment is worked out?

Thanks, Trish xx

Thanks Lily, As I am still new to all this is "IP" Insolvency Practicioner? Would that be 6k per year on top of IVA payment - ie £500 per month? Sorry I sound so dim but I really don't understand:)

Hi All, I have some more questions before my call from Melanies team on wednesday. My debt is as follows HSBC loan 22,000 HSBC Card 5,200 Halifax One Card 10,000 Next - 2,500 Abound Catalogue - 1,800 Overdraft - 2,000 Barclaycard - 1,250 Capital one - 1,300 Alliance & Leicester Loan - 9,200 As you c...

Best of luck monday Viki:) Everything is crossed for you x

Darren, fantastic news I am only just starting but you are an inspiration. Good luck for the future to you and your lovely family. x

All I can say after this support is best of luck to everyonexx