Creditfix emailed me back at last and are asking for last 6 mths bank statements-not been asked for these before-and last 6 mth payslips. As they only took over from November and everything was up to date I find this odd. Also it's only from this month that I need to reduce payments due to drop in s...

Hi, was Melanie Giles, now credit fix.

Hi, thanks for your replies. Did ask by email in December about f and f due to circumstances and when salary drops to half there won't be much left for iva but never had a reply. Spoken to call centre staff who was lovely but just said to cancel standing order and pay what I could and it could be so...

3 payments remaining, have been paying £500 monthly but salary dropped by 1/4 and then by 1/2 for feb and March as off sick. Spoken to credit fix and advised to cancel standing order and fill in I and e form. If I offered £1000 as full and final would this be accepted as I have gone thro chemo am ...

I'm am paying 485, just over half my pay. Other job would pay 600 a month net. Looking to change as struggling with shifts etc and the other job would be ideal apart from drop in pay while iva still running. Thanks.

If I change jobs and my salary drops £ 350 a month could my iva payment be changed. At present is just over half my pay. It ends march 2015. Thanks.

hi,as always thankyou for your replies.

hi,i am in an iva ,myself and my husband and i never had any joint finances and he has a good credit rating.he will be losing his work car and has to purchase one, will he have a problem getting finance because of me,does anyone have any experience of anything similar, thanks.

hi,just heard that my proposal has been accepted, i am so relieved. just before xmas my husband was unaware of of how much of a mess i was in and i finally ran out of credit. i found this website and thro it melanie giles and her lovely team, melanie, angela and epecially claire who rang and gave me...

hi,thankyou all for your replies, very helpful. x

hi,on day of creditors meeting if there are any variations do you have to decide immediately whether to accept or are you allowed any time to think about it. cant see this anywhere in my paperwork. thanks.

hi,just to add approx 23,00 equity.

thanks melanie,married 6 years, i earn 900 husband 2000 a month.for last year or 2 since his earnings increased he has paid for nearly everything while i have just been paying my debts,but never getting anywhere.

hi,our home was purchased by my husband before our marriage and he has always paid mortage himself in full.we have no joint finances,so in bancrupcty-mine- am i right in thinking the house will not be included as an asset.

hi,cannot afford all payments this month-struggling for ages-am i better to pay less than minimum to all,all all to some and none to others.will be contacting melanie giles for advice after new year.