we are now in our second month of having dipped into the red....£25 last month, £180 this.... we are in talks with IP for a variation... does the overdraft mean immediate failure? we are 18 months into IVA, and are OD due to disposable income shrinking- maintaining the agreed dividend will result in...

Thank you, I shall.

we are in for 72 months (final year in lieu of possible equity-although none, not 60) our allowances are reasonable, can't really explain why wheels have fallen off slight increase in petrol costs with change to job location roof on house may need replacing (quote £12,00) both of us working hellish ...

ok, our situation is this: 18 months into IVA paying back 70 p in £ on £100,000 have dipped into overdraft last two months considering bankruptcy house in negative equity one car worth about 5K (essential to have a car for work) a couple of questions....the CCC guidelines for "allowances", how stric...