Tiller ive been with o2 for ten years now so no problem upgrading, but would not be to change providers. Julie thanks for that ill check them out.

As it stands now i would not be able to get finance, even for a mobile phone !! But i need to find a way for new car somehow. Ive mailed my IP to get advice, hopefully they will shed some light on where i can go with it.

Thanks

Thanks, so could i get one before the IVA agreed or would they look to take it off me/sell it etc ? Would i be able to get HP due to my circumstances ?

Just going through the process of entering into an IVA, My problem is the need for a new car, MOT failure and will cost more to fix than its worth. Does anyone know what i can do regards to purchasing a new one ? I need the car as on call with my job and wife needs other car as she works shifts. Bot...

Not in one yet, just looking at all the options and where we stand on certain things. Thanks

Thanks everyone, i personally cant earn overtime but my wife can and as her salary is taken into consideration i did not know where we stood on this.

Thanks again.

Hello Once an IVA has been started does the IP control the salary of those on the IVA ? what i mean is does the IP know exactly what is coming in each month or can you earn overtime etc without them knowing as long as IVA payment is met each month. May sound cheeky but once IVA agreed is it ok to do...

It was just a thought, as most IVA research is telling me up to 75% written off. This would mean i only pay £15000 back over 5 years, which left me thinking if i could possibly offer a figure near that i could end it all now.

Im on a DMP of £60000, if i were to make an offer to clear this before entering an IVA would it work in my favour, i.e. how much would i have to offer for my creditors to accept ? All a bit hypothetical but if anyone has any ideas please let me know as i could possibly go to family for help.

Thanks for the advice, IVA its gonna have to be i think. My main concern going through my IE with the CCCS last week they were stating a figure i had to find each month or i would no get one. This figure i could not match, thats why i mentioned the best deal etc. I will continue my research and keep...

My circumstances have changed slightly so i can offer to pay more money, at present i have been on the DMP for 2 years and on current payment terms it will last another 50 years !!! Im really looking for a low dividend IVA, Debts are around £60000. I was more concerned that IPs look to get the best ...

Should i stick with the CCCS or use a private IP for and IVA, i am currently on a long term DMP with the CCCS and looking to enter into an IVA ?

Thanks for the advice everyone, i will be speaking to the CCCS today to look at my options. What is a low dividend IVA Melanie ?

I started with debts of around £60000 half of which is pure interest, i have been on a DMP for over two years. Although only paying around £90 per month, this eased my problems massively. My problem is i have a bit more money available, but the debt has increased and will continue to increase as all...

Thanks for your advice. Around the £200 mark at present with that increasing each year if all plans fall into place workwise.