Notscared checkout all the free events in your area, I take my Grandson to the local museums, parks and in the summer the seaside with a jar, net and a packed lunch. Granted he's only 3 now, but the lack of funds in my pocket has never effected my quality of life in regards to finding things to do w...

Christabelle theres been may posters on this forum who have sourced mortgages/lending following their IVA....especially as others have mentioned via brokers/experts such as Ryan or Shaun. If I were you I'd certainly speak to them and set the ball rolling...i'm sure they would give you great advice o...

Christabelle as Foggy points out....dont even consider putting "no" to the IVA question. Solicitors/Legals involved in applications carry out deeper checks than banks and its not just with Experian et al. Remember....your IVA record will never dissapear from Court records and these days all lenders ...

In these days of computer generated documentation I wouldn't think it impossible to obtain a copy of anything relating to pay be it from employers or the taxman and I think your IP would be doing you a favour by accepting bank statements alone.

Jodie.tr unfortunately or fortunately, depending on how you view your improved circumstances, I think you'll have a difficult time having a f & f approved, after all as others have stated, the creditors will seek to obtain their maximum funds returned to the best of your ability, and why would they ...

Good luck John & Notscared. Not sure which companies you are with but with certain companies you can be assured your IVA will be approved or they wouldn't put the proposal forward. It is a daunting time waiting to hear if you have been accepted or not but you just have to have faith in your Company....

Good for you Notscared. Its a daunting process to be entering into an IVA but with the right information and a good IVA Company it can make the world of differance and in any event is a much more sensible option than continuing in and getting further into the spiral of debt.

Good luck.

Victor your going to have to check your IVA documentation to see what the score is on windfall/uplift payments...it can vary.

Yes Gareth its very difficult indeed when you no longer have a "salary" to rely on...for whatever reason and i think in the position you were in, especally hard as illness can be indefinate. I suppose thats when we discover how good, bad or indifferant our respective IP's are, thankfully mine was ex...

Welcome to the forum A.77. I too would echo what Hair_Bobbles & ClareSilver have said....you need to speak to a few IVA Companies and Melanie Giles should be included in those you speak to. You have made a good step forward discovering this forum and can whilst, if an IVA is the correct route for yo...

Thanks everyone. Yes Kelly, hopefully Nikki will see my post. She really has been supportive, particularly over the past few months, when I don't mind admitting having been in a whirlwind of panic over losing my job. She has remained calm all along and I must admit I may of been a pain to deal with ...

Well got a call around 11am from the wonderful Nikki (who has been my contact for many months at Melanie Giles company). Creditors have accepted my F & F offer....so now just have to wait for the PPI to be cleared and hopefully get my Closure Certificate in the not too distant future. A permanent jo...

Thanks for the support all. Less than 24 hrs to go. Hope my creditors are in a good mood in the morning:)

Well the 28th Jan and my Full & Final creditors meeting approaches. Dearly hope its accepted. It certainly wont be the end of my problems as I still have to find a permanent job, but it would be a start on the right road. Seems strange that I have worried consistantly over many years about my debt a...

Good luck kiwijo73. Its not easy when you try your hardest to make life better for you & your family and only end up making things much worse by trying the gambling route. It really doesnt work. Been there and got the t-shirt....along with more grey hair, shunned by part of my family and a deep feel...