HI EVERYONE, HAVE BEEN IN AN IVA FOR OVER TWELVE MONTHS, I HAVE ALWAYS HAD A WORKS MOBILE, WHICH DUE TO CUTBACKS HAS BEEN WITHDRAWN. I KNOW ABOUT PAY AS YOU GO, BUT IDEALLY I NEED A CONTRACT, AS HAVING CONSTANT CREDIT ID PRETTY IMPORTANT. IS THERE ANY CHANCE OF OBTAINING A NEW MOBILE CONTRACT WHILST...

Hi, Thanks for your responses, my old phone was in the companies name, i paid for my calls out of my wages. This contract is with Vodafone and they wont swap it over, need to start again as a new customer. I understand the issues involved, but its pretty frustrating, apy as you go is n option, but a...

HI ALL, IS IT POSIBLE TO OBTAIN A NEW MOBILE PHONE CONTRACT WHILST IN AN IVA I HVE ALWAYS HAD A WORKS PHONE WHICH HAS NOW BEEN WITHDRAWN DUE TO CUTBACKS I HAVE SPOKE TO MY IP WHO HAS GIVEN PERMISSION AS I HAVE ALWAYS PAID FOR THE WORKS PHONE HAS ANYONE MANAGED TO OBTAIN A CONTRACT, IF SO WITH WHICH ...

Hi, Hope you are well. We are just over a year into our Iva and boy its tough(we new it would be) Due to a few problems(car repairs, broken washing machines etc) we have gained arrears with council tax and secured loan. It only amounts to four hundred pounds. For some reason I have always ensured my...

Hi Eveveryone, A year into our IVA and boy its tough. Much more difficult than I ever imagined. Anyway, a quick question, my wifes mobile phone contract ends soon, so we are looking for a deal.Is this possible in an IVA or will it have to be a pay as you go. If anyone has managed to obtain a contrac...

Hi , Hope you are all well.. Am in the process of obtaining an IVA,just waiting for a date for the meeting. Im confused, we currently have a mortgage(and are in negative equity) so it has no real bearing on the IVA proposal, however the fixed rate deal will expire in May of next year.If I am happy t...

Thanks Andy, A final point, the house was put up for sale a few months back when we thought by reducing the size of our mortgage we could cope with our debts..months prior to even considering an IVA..the reality is we have two young children and really dont want to move, cant help thinking if i hadn...

Thanks for you advice, just spoke to Cleardebt, who dont see the house being an issue...its confusing that companies can look at the same thing so differently.
Thanks again for your prompt advice,,im sure i will be back(sound like Arnie)

Thanks a lot, will do just that, the trouble is..when you have started the ball rolling, you get impatient and want it sorting....thanks again

Thanks for that, we are with Debt Free Direct.
The mortgage is £800 (interest only) and secured loan around £350.
Any profit/equity(??) would not clear the mortgage and secured loan..

Hi, Have spent the last few weeks trawling this fabulous site and have found it a great inspiration and help. In a nutshell we are in debt, have decided to go down the route of an IVA. Have spoke to an IP who thus far have been really helpful. Thought everything was going swimmingly until my final p...