Thanks for your reply Melonie. My point exactly, but will the tax office set me up with reference numbers etc to start paying immediately?

A letting agent would ask for 'Guarantaurs'. You could always go thru a private landlord, who may just ask for proof of employment and evidence of paying your existing landlord for the term of your existing tenancy. Some landlords do not ask for anything, if they like the look of you they will go wi...

Hi Missy80 Don't worry about the landlord finding out which is unlikely! you have many rights as a tenant and a landlord cannot just you chuck you out because you are in financial difficulties. How, she managed to chuck the previous tenants out is unbelievable! Hold in there, and I know its hard but...

A couple weeks before my lst review was due I checked my previous years I & E because I was on such a tight budget. When I compared my expenditure although it looked as if I was £120 better off (due to mortgage rate decreasing) I was actually worse off by £30.00 per month accounting for increases in...

Mine was 15p and was accepted.

Hiya, it wont affect your passport application. Remember you are not a criminal just someone in debt like the rest of us here! Enjoy your trip.

Yesterday I had my first annual review with Payplan. Went really well and actually had my payment reduced which should make life a little bit easier. This year has gone really fast. Thanks payplan for your support this last year.

Hi Nat.mh I am a letting agent and just successfully got a tenant thru on an iva. Bless he was honest and embrassed but because I understood his situation and he was up front which helped. I told him (before we accepted his Agency Fee) that he would need a guarantaur for his half of the rent! My adv...

Be careful. I used to be an Area Manager for Avon and my main job was to recruit new representatives. You will be credit checked without doubt. Your first couple of orders will be good because family and friends will support you - after that your earnings could be as little as £30 every three weeks ...

Thank you Michael. If in the future I have any other questions could I come back to? its not going to happen overnight but I want to be ready for when it does. Again thank you.

Hi Pog1234 Payplan got my IVA thru with 15p in the pound on a debt of £43.000 all the best.

Thank you both Michael and Melonie. We are a limited company and bank with Lloydstsb who is one of my creditors. Are you saying that the bank would allow me to keep these accounts open, which would make me solely responsible? To answer your question Melonie my partner has 52% shares and obviously I ...

Setting up a Company. I am a director of a two man small company and my business partner wants out! I am currently in an IVA and would like to carry on with the business. The business has no debts but because I am in an IVA would I be able to carry on? The problems I can see are banking etc. Has any...