Thankyou, i will have a word with my Ip about it - being only a couple of months into my iva and still trying to make sure my money lasts each month the last thing i need is to have to find money to pay a bill i havnt budgeted for.

xxx

Hi everyone - firstly my apologies for not being on line lately. Hope you are all well. I have a query which im hoping someone can assist with. i have received a bill from the financial advisor who put me intouch with my insolvency practitioner and put a budget together for me to give to them. Bit a...

Congratulations!!! really pleased for you and lots of luck for the future xxxx

Staying in the property isnt an option - we need to sever ties. My ex doesnt want to be stuck with the property and i am hoping to move in with my partner at some point and its the non sale of the house thats preventing this - so i am thinking reposession may be the only option.

Michael - an allowance has been included in the iva for a shortfall. I currently live in the property with the children and the agreement on divorce was that we would both pay half the mortgage until the property was sold

Hi everyone, my house is also in joint names with my ex, but as part of the divorce agreement (put in place a year before i entered into my iva) it has got to be sold, it has been on the market 2yr and still no sale(it is in negative equity). However my ip didnt contact him, and i havnt had to sign ...

i know how you feel - i was excited just to see mine say 0 months down 60 to go - and i cant wait for it to change!!

xxx

Good luck for tomorrow, i'll say try get a good nights sleep and try not to worry too much..... but i know you wont rest till you know. I've got everything crossed for you, and once its accepted.....the phone goes quiet and the postman has a much lighter bag!! I havnt had one single call since last ...

Hi Darkdog, if the hol is within your budget go for it!!!! Good luck with your proposal xxxx

I think within two days of my first non payment i had a call, and after that the calls and letters were a daily thing. i suggest unplugging the phone or just not answering - if you answer they try everything they can to get a payment out of you - dont be bullied, they cant take what you havnt got
xxxx

Thankyou all for your congratulations - and i sure intend to stick around. Whats really nice is, already the phone has gone quiet!!!! I am now no longer afraid to answer it, which is fab - and the postmans sack will probably now be an aweful lot lighter - i got no mail at all today. I was getting 5/...

60 months and i'll be a debt free chick!!!! Im gonna have to really budget properly every month from now on xxx

i can barely type, im shaking so much!!! Its been approved!!! A few modifications which dont affect me, and a major one which was an extra £10 a month contribution from me which i've obviously accepted. Just been a few tears, but they are of relief i can tell you. Thankyou all so much for your suppo...

Thanks everyone, feeling a little sickly tonight and not really had the best attention span with the kids, if it goes thru im still going to be paying back over 400 a month but i guess ive gotta remember i will be debt free in five years, rather than paying the debt and then spending on the cards ag...

Hi, i am still an acca student - currently part way thru, my understanding is that unless you are declared bancrupt you cannot be stripped of your qualifications.