Hi

Please could somebody help me out with a question.

How far into an IVA can you offer a full and final settlement.

Thanks for your help![:)]

What is a debt avoidance firm? My sister was phoned up a few months ago by a company that told her they could wipe her debt clean if they could find 1 tiny bit wrong in the legal side of her loans. She had to pay them £200 per loan to have a look at all her loan agreements to see if she had been mis...

Hi

Just wondering what the criteria would be for an IVA being refused?

Is there anything I can to help prevent mine from being refused?

Thanks

Thank you for your comments, they have really helped me as this "debt business" is scarey stuff.

Thank you for your quick reply. So they just keep applying extra charges and the whole thing just keeps building up? I have just got intouch with a IVA firm last week

I don't know if this is a silly question, but I have got to ask it as I personally don't know the answer![:I] I have a 0% credit card that is maxed out at £4700. Next month the 0% finishes and the interest starts [:0]. The statement says that the interest next month is basically £50, I cant afford t...

What a lovely feeling that must have been. I cant wait for my turn now!!

There's some really lovely responses to this.

Good luck SkintSabins!!! Hopefully we'll both have little bubba's soon
x

Its funny coz I'm one of 7 children and I know what we were all like when we got together, hence the reason 2 will be enough for me.

hhmmm just have to convince the other half he wants to go through all those sleepless nights again!! Although at least they won't be sleepless because of debt!!!

Ah thats good to hear! Thanks guys

I live in a 2 bedroom house and have 1 20 month old daughter. I would like to have 1 more child within the next 5 years. How would this affect my IVA? as I would obviously like to move to a 3 bed house so the children had separate rooms especially if I had a boy next. Would the allowances go up to a...

Thanks all

[:D]

Tele2002 you have hit the nail on the head. That is exactly the situation I'm in. I do meet the criteria, so I've been told. I have £46000 of debt with 5 creditors, my monthly outgoings are probably £200 more than what me and my partner earn a month. I own a house and 2 cars so dont really want the ...

I have been robbing peter to pay paul, have been doing that for the past year. Been managing to juggle my finances in such a way that I have managed to pay all creditors but my bank account is constantly overdrawn. Its wearing me down all this "juggling". Have started contact with Debt free direct w...

Hi me again!! I'm beginning to wonder how likely my IVA will be accepted by my creditors because I've been paying my bills on time up till now. Therefore I don't actually have a bad credit rating or anything adverse against me at the moment. My original thinking was that I will start the IVA before ...