thanks everyone this is a truly awful time. It is raising the £700 thats the problem! My mortgage is half my salary so getting lodgers will help. You thought when I met him 7yrs ago and he had £50,0000 debt that I put on my mortgage alarm bells should have rung.....stupid girl

My partner and I have separated and we are in an interlocking IVA which we have had for nearly 2 years.The separation is very messy indeed and he is currently on police bail for assault on me and my children. I am now back in the family home and am in the process of applying for a non molestation or...

Hi Andy Thanks for that I shall attempt to ask and hopefully I may be able to give some financial support, after all she did not start the debt, but will have one when she leaves!

Lesley, fingers crossed x

Can I support my daughter whilst she starts out at Uni, and can I show this on the expenditure?

I need some urgent advice.I am currently in a joint IVA with my partner, our house has a mortgage of £216,000 and the value is £230,000. The relationship is over and I really dont know where to start.Things are so difficult that my children and I are going to leave in a few days and with the help of...

Well done on the approval! I have a savings account but i opened it at the same time as my co-op cashminder account pre IVA. I have read threads where people have had a problem trying to open a savings account whilst in an IVA not really sure why. Now about to make my third payment and life is so mu...

I guess this is a no whilst in an IVA. I am currently on a pay monthly contract and yesterday applied for a 12 month contract....this was declined following a credit check. My question is I am currently with Virgin Media for home phone and would like to change to BT do you think that this will also ...

Well done pennyless.......30th will soon be here. Just checked the insolvency register and our names are now on it! The postman hardly ever comes I can't tell you what a relief you will feel. Good luck

The only place I have ever had a problem using my card was online food shopping.....I called tesco and they have confirmed it is due to being a visa electron I have no problem using it in store or shopping on line for anything else....just wondered if everyone had the same problem with tesco online

The above should read "tesco online shoppping" Apparently it is because the visa electron can be issued to 16yr olds and you can shop for alcohol online......

i have the co-op visa card but it was not accepted for online shopping! Has anyone else had the same problem?

can I just ask is a bonus teated differently to overtime? I am set to receive a one off bonus in my December pay to the take home value of £700 I assumed the 10% 50/50 rule would apply as it does to overtime.

I am rooting for you all.....I am so pleased we finally did it although we should have explored this route a couple of years ago. At least now if we get offered a little overtime it is additional as before it was just swallowed up as I have now worked out that each month we were probably minus £600 ...

My partner first contacted VB on a bleak Saturday morning at the begining of July when the cards were maxxed out and even buying food was a desperate worry!....so I suppose about 10 weeks in total x

I changed my home number and put the mobile on vibrate and did not answer one single call to creditors.....just could not face it to be honest I felt so embarrassed. My partner answered his phone to them all the time I just suppose it depends on the individual and me not communicating with them did ...