I would suggest that once you are clear apply for one of the high interest credit cards and pay off each month in full and if you can get a small 6 month interest free again if you can Beds or something similar within 12 months your history will be fine thats according to Martin the guru

I was in the same position mine is in my name only This is the way it pans They will demand all details of your wifes income as they will say that she has benefitted from your income. If you pay the mortgage they will bring that into play Your I and E will have to have her income in. I tried to figh...

I have to travel 100 mile round trip to work every day. This equates with personal mileage to 30k a year. I dont get to work my creditors dont get paid My car which has cost me close to 1k in repairs and no I didnt ask for a payment break I got through it then the Head went. Crazy to repair I then s...

So the fees come into it as well I didnt realize that they were part of it I was due to pay 58% but due to the financial climate improving Iv already paid 9k in 6moths and that will double over 12 months my orig debt was 77k and by my reckoning i will hit £73k after 60 payments. My big issue with th...

With regard to equity release My IVA is personal to me and not my partner if I am close to paying 100% of my debt and due to my age being over 60 by then. I have the valuation after 4 years in place and its likeley my mortgage debt will be only 70K in £350K property Can the creditors pursue my share...

Welcome friend weve all been there. You will receive support from this forum second to none. With regard to the phone calls no matter what you say they will continue right up to the acceptance of the IVA I went with call blocking other people have changed there numbers but dont not do anything as th...

Stony B
Copuld you tell me what thje limit is earnings wise
Thanks

Thanks Kallis
Do you know when my review comes up can I fight to keep increases in salary to go towards the education of my son at university.
Was due to pay 8.5K this year and will actually pay £18k hopefully this year as I am trying to pay as much as i can back

I have been in my IVA 6 months now. My son is due to go to University next year. Obviously he will be claiming Student Loans and I will have to submit my income for him to get the loans. Does anyone know if the goverment take into account an IVA when allowing him the loan. Also will I be allowed to ...

Sorry to be brutal but these are things that will affect any IVA
I really do wish you well but at the same time you have taken the first step
That is the hardest thing your other half whilst hurtingf came back
You have to be strong but honest do not hide the consequences
Good luck

Sorry to be so mercyless
But do you stand the chance of losing your house
I/e is it in joint names
Is your Bank account in joint names

You really need to get some proper advice like yesterday
Do not wait wake up

Be very carefull
I suspect the experts will say that you cant sign the docuement as it will be avoidance of assets
I am not sure but I think your partner is up the swanny river

I understand this one I have blown my head gasket on my car its got 240K I travel 100 miles a day which equates to 26k a year They said they could sanction a 1K car with missed payments I refused as I am fortunate my salary is over 50K however I now have sold share options and I am spending 2.5k I h...

No-one can answer that until you contact an I/p Whilst I will not recommend any of the I/ps on this site numerous people will You cannot think anything on expenditure untill you do the I and E and dont forget these people are PRO's so they know it all Be prepared to struggle for 5 years there is no ...

I went through the ringer with N/r However I was fortunate what i have noticed Melanie and Co will tell you that N/r are correct and that is the way the law and guidelines are stated. I and E is a particular bad point with me as as no one will publish the acceptable guidelines It would appear that y...