hi melanie i would love those details but cant work out how to direct email you i hope u get this thanks again Nathan.

thanks guys very helpful

i have my last iva payment next month and am in desperate need of a car as mine is a pile of junk!!!! i am wondering what is the situation with car credit/loans/lease hire ect. i have no spare money but would love a decent RELIABLE car. any advice really appreciated thanks nathan.

I have relayed all this to her and she had managed to get to computer to read all these comments herself. Thanks again, lots of useful information

The thing is when in debt i think its easy to get hooked into any scam that sounds great!! Being in an iva can be very stressful, cause arguements between you and your partner and make you feel like theres no light at the end of the tunnel! I have hit these points a couple of times during the 3 and ...

thanks very much...I had my doubts as we have been approached by a few of these type of companies that have said they can end our iva eary but this company almost tried to make out they were part of a government scheme which i think sold it to her even more. I dont post very often, but sometimes hav...

Hi all just to let you know i emailed my ip last night and got an email back first thing this morning as well as a phone call from a manager as my ip was out of the office today. The guy I spoke to however was very nice and seemed to know what he was talking about. I did say to him Im not sure even ...

Thanks jan, I am going to use that link now to email. I thought it would be quicker to speak to someone, but obviously I was proved wrong.

well i phoned my iva company today to speak to them about my payments as we really cant afford it and I was told the lady dealing with it wasnt there. I asked to speak to someone else and was told nobody else could speak to me as she was the one dealing with it and she wouldnt have asked me to conti...

thank you for your replies. I am going to try and call them today to try and speak to someone. We are in rented accomodation and have no assets, only household furniture a tv and laptop. If i went br would we loose any of these?? we already had our payments reduced from 450 to 382.50 without the cre...

thank you all for your replies. We are going to look through all our outgoings and see what we can afford. I think it will be around the £200 mark, which i hope they will accept. I guess it is more beneficial for them to accept a lower payment then for us to go bankrupt. I feel so stressed out about...

Thanks for your guidance. Just one more thing before i go back to my company tommorrow. My company are basing our payments on my wages with overtime. Is this right??? If my overtime gets taken away my wages will go down to £330 per week. So my overtime brings us in an extra £100 per week. if this wa...

hi guys thanks for your help.. still a realy worried the company were kinda saying that 382 was final and we had to pay that much they say to call another creditors meeting would cost us another 350. i can just about afford 382 with my overtime but there is talk of a 40 hour week and if that happens...

this is the secon half of my question sorry guys the first bit doesnt seem to have gone up. i had to split it i was over 2000 words

Thank you very much for your response. What are your views about them lowering my payment but extending the iva? Does this depend on what the creditors decide at the new meeting?? They're also telling me that the creditors may not agree to the lower payment so would this mean the iva would fail?? I ...