Many thanks for the advice i think that by next april will be ok its just panic mode to be informed of paycuts...if i freeze my pension then that would cover the 180 im going to be down in my wages all i care about is obs paying my IVA and my mortgage im with Cleardebt and they are really good when ...

Its definate paycut i am protected until april 2011 so it wont come into effect until then i maybe could carry on paying what i am if i freeze my pension so i think i may be ok.

I work for the county council and after 5 years of being on 21,519 a year they are cutting my salary to 19,519..i am worried as i only pay 135.60 a month into my IVA but now i will be 160 pounds a month down as i onlu pay a small amount into my IVA will when they do a new I&E will they make me go ba...

I was the same i was left 50000 by an auntie paid off all my debt then bought the house with a big deposit towards the mortgage. Split up with my ex and ended up in debt and with the house ( which) i am glad about but still was alot of cash and now i am in debt. But....i still have a roof i am now m...

This fills me with hope as i am going for a new job on fri and if i get it i will be about another 150 a month up...but my gas and electric have just gone up by another 30 pounds, also as i work for th epublic sector i am due a pay review meeting monday which means my pay may be cut. If thats the ca...

Hi all My hubby works part time and only earns just under 400 a month. He is here on a 2 year visa fromt he states and obs uses this money to pay his bills back there. He may not be able to stay here once this visa runs out. I do not ask him for any money towards the house as my IVA is in my name an...

Okie if we need to get to the states sooner after we chat about a few things i might just bite the bullet and do it. thanks

do i have to go BR to do this or can i do this while i am in the IVA?

My hubby could do this as he is not on my mortgage and not in any debt at all he is very good with money...hmmm i wasnted to put him on the deeds anyway as when we go the states it would look good for him to to have assests behind him as he gave up everything to come here for me for the last 3 years.

I see....how do i go about looking into this? A 3rd party as in ?

Excuse my typo's im feeling a little erratic today !

I tell you one thing tho never ever will i be in debt again. I feel so stupid sometimes as i was in debt around 10,000 4 yrs ago and i got a 50 grand inheritance so i paid off the debt and put some on the house to buy it...then i split up with my ex so ws told unless i paid another 10 grand off the ...

Hi jan forgive me as im still getting to grips with everything what does this mean?

If it is in negative equity and you buy the BI


also would BR affect my job?


i work for the council.

Ohio i think i just have resign myself to waititng until this is over i will still be ok to go then i guess. I tried to keep my house exempt from the clause but it was one of the conditions to have my IVA lots of people say about Bankruptcy but that cannot be an option me and the hubby need to be ab...

Thqanks for info but bankruptcy is not an option like i said i have all my cash lockid in that house i know its neg now but eventually it wont be it will be a waste to then lose it especially as now the IVA is working for me. I think maybe i will wait for 5 years then go ill still only be 35! :) at ...

Now my IVA is in place its going ok! The only thing i am worried about is not being able to emigrate until after it finishes ie- waitting to see if i can remortgage to pay rest off or not. if i cant another year would be ok as i could rent out my house maybe and then when i sell it the assets i coul...