thanks

What is the % I would need to add to the IVA pot, does it vary - or will they take the difference?

We are in an IVA, our mortgage rate is due to change in a few months and I have been given some quotes by the mortgage company. If you are on a standard variable rate, how does this effect the IVA?? Do you have to inform the company each month of your mortgage payment??
Thanks for your help [:)]

Hello all, well if my calculations are right we are 5 months down already - where have they gone to?!! Well we are coping very well although i have to say with 7 family birthdays, christmas and car tax coming up I am wishing we had tried a little harder to either buy a little something each month or...

thanks for all your kind words, i am feeling a bit more with it, think there is a lot of my past haunting my brain and its all mingling with new stuff - my toddler just fractured his leg and seeing him suffer seemed to bring me back to now - although of course i wish he hadnt hurt himself xx thanks ...

Hi Forum Friends Well i think it has been a month since my last post - we are doing well with our money although a bit hard this month, car service, MOT, new tyre, road tax and 4 yr old's joint birthday party!! To top this all off i had to go to the doctors and have had to pay £21.60 out on prescrip...

Just saw your other post too - well done bet you are relieved, if you are like me it will take a while to sink in.

Update your profile so you can see the months coming down - i swear it makes you feel even better xx

Enjoy your weekend and try to chill xx

Good luck Trev and well done for taking the first step - in life that first step is always the hardest - let's hope things only get easier for yourself and your wife in the future - look after each other xx

Thanks Mel, clothes hide a number of sins - at 5'3ish and 14.5 stone starting weight i need quite a few pounds off :-) Taking each week at a time little steps - weigh in tonight though on the wii fit :-) Today my profile changed to show 1 month down - I cannot tell you how that has made me feel. I h...

Hey good luck for meeting today - let us know how you get on xxx

I have to say the hardest part is trying to make excuses why I can't join people when invited out - I am rubbish at making up excuses on the spot and dont want to say have no money cos it gets a bit sad! I always say yes then make an excuse up later - hope I will still have some acquantences left by...

Hi everyone, it's been a few weeks since I have been on this site but thought I would just give a little update. We are almost 1 month into our IVA and I can say with all honesty I have started to sleep again. We no longer receive calls and have had a couple of statements which I am sure they still ...

Sorry not been on a while, congratulations, hope you did enjoy your weekend -

Just think about 2 weeks from now you could be in the same position as we are xxx keeping everything crossed for you

Hi Kath

Good luck with your face to face today, let us know how you get on xx