If child benefit is counted as income can I count my son as an expenditure? His needs were not taken into account last year I would like to know what I can count as expenditure for him as child benefit is not my income it is meant to be used on him. Plus I have received a letter from IVA council shh...

I tried to apply for a job in a call centre last week and they wouldn't even let me apply because they wanted to check credit rating and I told them of IVA. They stopped application there and then because they said I'd have to have a clear credit record I have often wondered how messing up your mone...

MBNA was one of my creditors and my debt was sold on after only two missed payments. They sold it on to eversheds and they wrote to me telling me to not pay anything they would deal directly with IVA supervisor. This morning I have received a bill for immediate payment. I don't think so, my IP will ...

I owed them £250 and they were the biggest pain in the a**e. They got the message eventually but they were the first default notice and the reminders were every other day. I wouldn't have bothered but from start to approval of IVA I had only missed £33.00 worth of payments. Be firm and honest with t...

GE money were one of my storecards if that helps.

IVA was approved this morning.
I'm on cloud nine. Modifications were nothing to worry about, just common sense. I am in the process of clearing out all the rubbish now I can have a fresh start (rubbish being old bills and statements). Good luck to all who are awaiting creditors meetings.[:D]

Yes it feels great, they let me change my payment date to when I get paid so I have been able to pay everything. My IVA will be my only payment now. It's 1/2 my wage but loads better than it was. It's definitely a lesson learned that's for sure.

My initial phone call was on the 12th January and my IVA was adjourned last week but it was approved today, I hope this helps.

I received my modifications yesterday and they were nothing but common sense. 1) Arrangement will run for 60 months. 2) Must not obtain credit without permission. 3) Must cut up any credit/debit cards in possession. ( did that 2 months ago) 4) Must not retain monies to petition for bankruptcy. 5) An...

I will read it over and over again before I sign anything the deal is not done until next week. I feel a lot better than I did this morning though. Thanks for your concern.xxx

Thanks.

My creditors meeting was adjourned until next Thursday my IP says that it was nothing to do with me I got 76% votes, there were modifications, she says that she will post them to me for tomorrow, I have to read and sign but they were for them so she says not to worry once that is signed and returned...

Thanks, I have been online to myvesta uk who recommended them and they told me to ring. I don't know how long I should leave it. But I'm getting worried now so it won't be long. I just need to know which way I am going with it.

I'll give him another hour and then I'll ring, might be going BR myself yet. will let you know.[:u] Nailbiting, I didn't realise how nerve-racking it was going to be.

Well done Skippy I hope you can move forward now or as you say "Onwards and Upwards".
My creditors meeting was at 10am, still don't know what's gone on I'm going to need a drink tonight if he's not quick.