When our payments were reduced, an extra 12 months was tagged onto the end of our IVA. Then looking at an additional 12 months due to it being very unlikely that we'll be able to remortgage, do you really think a F&F would be accepted being 4 years in with 3 to go?

Hi everyone. I think I need to let out what a mess we are in and get some advice along the way. I'm so sorry for a long post but Everything has just gone wrong :( Our IVA was accepted in April 2010 and since then things have just gone from bad to worse. Here's the story so far: July 2010: husband lo...

We have no equity in the house as we have a secured loan on the house as well as the mortgage. I wish I had never clapped eyes on Carol Vorderman and First Plus!!!!

Thanks guys, I just can't believe how things can change so drastically over a few months. Its all becoming too much... especially when you have an 18 month old who is constant need to new clothes, nappies, wipes, nursery fees etc etc! I really dont want to loose our house so hopefully a DMP could be...

Hi everyone, My husband and I started a joint IVA in April last year. Everything was going well until September when he lost his job. Luckily, he was able to do supply work but this is only during school term time and so our monthly income varies from month to month and is significantly lower than w...

Hi all, just a quick question to see if being in an IVA allows you to use the salary sacrifice childcare vouchers. I am trying to look into this as my son will be starting nursery in September and I know these vouchers could save me money. My only concern is that by taking it out of my wages directl...

Hi Mel,
Our IVA was only accepted in May and my payments until next month have been very low to make it affordable until I returned to work. Next month's payment will be my first at the set amount until the IVA is completed.

Hi all, Just a quick question that I hope you can help me with. I have just returned to work after taking a year off (this included 3 months where I was not entitled to any maternity pay so my income was 0). Anyhow, before I returned to work, my boss asked me to do a couple of Keeping In Touch (KIT)...

Hi everyone!!! Just to let you know that our IVA was approved today!! Felt so sick all morning but got the call to say that with a few moderations, our IVA had been accepted. I can't explain the relief but I'm sure you understand! Just want to say thanks again for the advice we have received from th...

After a few weeks of gathering all of our paperwork together, our creditors meeting has now been set for 6th May!!! So not only will our creditors be voting for 'Yay' or 'Nay' for our IVA but also for the election too! Fingers crossed everything will go ok.. don't think I can cope with this uncertai...

Hi, we got referred to Payplan after contacting the National Debtline. Are they any good?

Hi everyone, Just spent this evening sorting out all of the paper work so that our IP can get the ball rolling for our IVA. I don't know how I feel, very confused at the moment! Keep reading the info on IVAs and worrying what will happen if it not accepted. Can the creditors really choose to bankrup...