Thank you everyone
coco- I am sorry that your IVA hasn't gone to plan, thank you for your advice
Melanie - As always your advice is excellent and I thank you.
neverending - Good luck with your final settlement.
Thank you to you all.

Hello Does anyone know what % of IVA's fail. I have been reading through a lot of the posts and some have failed very quickly. Has anybody on the Forum gone through an IVA and reached the other side or are close to it! I have submitted all my paperwork but I am concerned that I havent made allowance...

There has been alot of press recently regarding requesting bank charges back from your bank.I am considering doing this. My bank is one of the creditors who I owe money too. Is it likely, if I am sucessful in getting some of these charges back, that this will go towards what I owe them or would this...

I am still considering an IVA. I have found this forum excellent but I am having a bad day, worrying about paying for the car insurance. This process really is scaring me today and I am still not sure whether I am doing the right thing. My family are very supportive and I am finding it easier to dis...

Thanks neverending, I suppose there is no real incentive to look for full time employment then!

What would happen if throughout an IVA I decided to go fulltime employed instead of part time. This would obviously be a salary increase. Would the cost of childcare be taken incount?

Thank you Melanie

It is really nice to ask a question and get such a quick response. I have been going through the questions and answers that people are posting. I know this sounds bizarre but it is reassuring that I am not the only one going through such difficult times.

i am currently going through an IVA which is still being assessed. I am in arrears with last years council tax. Accuma have advised that this can be included but the council tax office say no it cannot. it is currently with a baliff. Should I inform them whats happening as I have stopped all my paym...