Hi Ruth, hey try not to let it drag you down, I think the first year is the biggest hurdle to get over. You have to adjust to life with a budget live without the back up of credit, it's hard! But once you get the first hurdle over the second one follows & then things will start to feel abit better.
Renting isn't easy in a IVA something I never thought of when I started mine, private landlords is an easier option but I know to well there's not many of them these days. I moved house in my 2nd year, but it was with a private landlord & friend of my dads so we got away with paying no deposit, so very lucky really for our situation.
You could sit down with a reputable agent explain the situation & show proof that you have always paid your rent, (rent books, bank statements, references).
I's there anyone you know that could be a guarantor for you? I know it's an option I may have to take as I may have to move soon.
If your struggling to raise a deposit for a rented property, a payment break is an option to you in a IVA if it comes to it. I never thought or wanted to take payment breaks in my IVA & I've had 2 already.
I know it's tough but your doing so well getting towards year 1, you have to remind yourself there will be an end & as time goes by your one step closer, hang in there x
Last edited by
MrsKnight on Sun Oct 28, 2012 1:34 pm, edited 1 time in total.
Final IVA payment made in April 2013, never ever thought we could do it or get through it but we did! X
An IVA.co.uk Mentor is someone sharing from their experiences of dealing with debt
Lyns x
but this is such a lifeline xx