i had a loan with provident too. i phoned to tell them i would not be paying as i was proposing an iva. the man on the phone was a bit blunt and tried to convince me to do dmp instead. the collector still arrived on sunday morning but i told him i wasn't paying and that i had spoken to his manager o...

Hi. My statement was the same. I told them I overspent on silly things and it got out of control. My IP was happy enough with this and my IVA was approved. Good luck

Congratulations. Thats brilliant. It's a great feeling and I hope it stays with you for the next 5 years

I'm over the moon. I'm a bit worried as the M.O.T is due on the car and bike next month and we haven't had a chance to save any money towards it. That would usually be a job for the credit card. Can we sell our car and replace it with another one while on an I.V.A or do we have to give over the mone...

We had our meeting today and the only modification that was asked for was less money to debt free direct and more to the creditors. It doesn't affect our payments at all. I feel so relieved. We were prepared for bankruptcy if they said "no" but this is amazing. I know it will be tight for 5 years bu...

hi. i'm hoping someone can help. i opened a co-op cash minder bank account but i need to open a savings account for car tax, maintenance, school uniform etc. the co-op offer an isa but i just want a basic savings that i can get to when its needed. the only ones i can find have to have a certain amou...

Hi. We felt exactly the same way but this forum is great. Everybody has made us feel a lot more relaxed about our situation. We sent our proposal back on Monday so we are just waiting to hear when our meeting will be. It is embarrassing to tell people we are setting up an IVA but I feel a lot better...

brilliant, thank you. we sent all our paperwork, payslips and bank statements off last week. they received them on wednesday and phoned me friday to go over everything. i feel so much better about everything already. I know it will be hard while we wait for this to get approved, but i can't stop smi...

hi. I had a phone meeting yesterday to draft my proposal and the man said it will posted for me to read, check and sign. I was so relieved to be getting started sorting out our debts that i wasn't paying full attention. please could someone help by letting me know the procedure. what happens when i ...

Hi. My eldest child will be going to university soon so our child benefit and tax credits will go down. How does this affect our monthly payments? I understand that I will have smaller bills with one less person in the house, but does the IVA take this into account or will my payments stay the same?...

Hi. My husband and I have decided to get clear of debt at last but I'm unsure what to put for our statement. I was told to put in why we were in debt. We overstretched ourselves and then had to borrow even more to meet essential bills like rent. We know we were silly to get into this mess but this s...