I already have an IVA with DFD, been on suspension for a few months due to council tax arrears. We are still in debt with the council, previous pay day loans, water company, HMRC and a catalogue DFD wouldn't include at the time. We are broke, we run out of money the day we get paid. We have to borrow from family and friends to buy food...we are desperate. We both work, have two school aged children but we can't go on anymore. My husband is an Accountant, bankruptcy would destroy his career and we would be worse off...can we ask DFD to 'rejig' our IVA and include the debts we have aside from?
You need to speak to DFD urgently to try and get this sorted as it sounds as though your payments are way too high.
You need to be careful with HMRC as they may try and make you bankrupt.
How long has the IVA been going on for? Why didn't they include the catalogue debt.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
