Skippy sorry to ask so many questions! ive never heard of an IPA, if we have £196 disposable income and go bankrupt would an IPA prevent us from losing our house? or have I got this wrapped around my neck!!could you explain it for me please thanks xx

Is an IPA something we could do? or is that when u have no equity in ur home?

I think we have about £20k equity in our mortgage, the sickening thing is we have a very low mortgage and we have never been late or missed a payment! £196 left over is after everything is paid bills, food everything. Now when we ring B&E all of a sudden nobody is available to speak to us, even thou...

We are with Blair Endesby, we have been paying £330 a month for 2 years, for 9 months they have been trying to sort out my husbands income as he is self employed, cant quite understand how it worked for 2 years then when it was the annual review it was passed onto another person half way through, we...

Thank you x

Hi thank you for answering all my other questions I have posted, they have been very helpful, however, with my IVA failing and we cant get hold of the guy who was dealing with it "suprise suprise". We now feel bancrupcy is our only option and feel quite silly as we have no idea how much we owe! im g...

I wish I had known about this forum before I started my IVA, 2007 I had never even heard of IVA so typed in on internet, picked first firm, big mistake, now after paying for 2 years its now failed and we are going to have to go bankrupt now, dont feel we have any option, I never even knew we had an ...

Hi, I posted last week regarding my IVA company basically taking nearly a year to work out my husbands income as he is self employed, and we havent paid IVA since August, you advised me to apeak to my IP, I sent an e-mail to her, our adviser we have been dealing rang back as i cc him on it, he said ...

Thank you Melanie, because I was starting to think it was us that was in the wrong, but i couldnt of put it in better words myself, I shall be speaking to our IP, not sure who he/she is as I thought I was dealing with him but from what I can gather he must just work in the office!, not sure, im goin...

Thanks Jan for your prompt reply x i will let you know how we get on, my head is spinning at the moment with different options i.e. bankrupcy, debt management plan, bankrupcy is looking favourable but then we have the question of would we be eligable for a council house? with 2 kids would we be high...

Hi yes it is an IVA we are in and we are with Blair Endesby [:)]