Hi,

Thanks for that - money is coming from my husbands house that he has sold - he had bought it before we got together so it has never been mine. He has just got a job after 4 months redundancy, but it pays half his previous yearly salary so as a result my wage is paying most things!

Hi all, I am proposing an F+F - I understand your IP guides you and only your creditors can accept or not, but would really appreciate your opinions! Initial Debt £33,000 Paid £363 for 12 months, then £401 for 12 months, and currently at month 9 of £464 per month. So far paid around £11,000. If paym...

Hi, this links with a social post I have written about wanting to try for a family. I had debts of £35,000, and to date after almost three years have paid £15,000. My husband is possibly going to sell his house (his before we met and nothing financially connected to me), and is offering to give me a...

Hi all, I have 2 yrs and 4 months left on my IVA and would love to start a family as I am now married (I was single when I took out my IVA). Will my payments reduce if I go onto maternity pay or do I have no option but to wait? I am devastated that this may stop us trying for a family for some time,...

Thanks for all your replies. I have recommended my IP but she was keen to work with someone local. Not sure why, I think she has is very scared and seems to feel if it is a local firm it is better. Obviously there is not necessarily any logic in this but we are taking small steps at present! I have ...

Hi all, Im 3 yrs into my IVA and things going ok. My mum on the other hand has never dealt with her debt, and now she is close to blaiffs coming knocking. I have consistently pushed her to talk about this, and she has finally felt able. She would like to look at an IVA - does anyone have any recomme...

Hello, I am 32 months into my IVA, originally with clearstart but now its DFD. DFD contacted me via letter two months ago to say my IVA was in arrears and would I pay £142 or contact them to arrange to pay monthly. My payments have increased yearly with my salary, and I have never failed one. When I...

Hello, Thanks for your replies - my husband only received one months wage as redundancy, which we obviosuly used the following month to pay bills. He has been redundant since October now, and we have used any savings he had to pay bills. He has payment protection on his mortgage but due to many cock...

Thankyou very much for your help. Ill speak to my IP and let you know the outcome.
jlo

Hi all, My second key query is this; My husband has been made redundant. We have no joint finances. The mortgage and bills are in his name. I pay 'board and lodge'. Would the IVA take into account in my yearly review that I am currently paying all the bills myself so my outgoings have really increas...

Hello all, Im brand new here and Im so pleased I have found this site. I have mnay question but I guess the key one at present is as follows: I am almost three years into my IVA. My husband and I have no joint finances. Our current house is mortgaged solely in his name and I pay 'board and lodge'. A...