Thanks all, I will see what Melanie has to say, the future is looking more and more like a cardboard box in the local park to sleep in!

Thanks KayKay [:)]

Thanks Foggy, for the advice and the non-mentioned expletives! Ive taken legal advice already, but these things are a long, lengthy process and an IVA payment is due on the 28th of this month

Thank you. Its interlocking. He won't even speak to me now because I called my ex friend some choice names when I found out (I think his exact words were 'You are being a bit unfair to her'), so sorting amicable solutions isn't an option.....All I want is to be able to keep this house. I don't want ...

Hi All, I haven't posted on here for a while - being honest once my IVA was approved everything settled, a huge weight came off and I just got on with life. Then.....the end of last month, my husband ups and leaves and is now living with his new girlfriend and her family - total shock after 8 years ...

Thank you [:)]

So if I have all the surpluss 'non payments' before an IVA approval, do I not have to pay them all over at the start of an IVA? I ask because I am really worried about my car going through its MOT soon, its 15 years old and every year it gets through by the skin of its teeth so I know the eventual o...

I would love to be able to make my own wine! Been looking into it and just get confused![:I] My current hobbies are Facebook (ahem), Cooking- im trying to develop thrifty, yet healthy meals at the moment. Loving Ellie Kreiger on The Food Network. Music...Love Kasabian, Dandy Warhols, Silversun Picku...

Thank you Andy, I suppose its because they are linked to card cash accounts....although I did Pay at Pump in Tesco today[:D][8D]

I suppose where Toy R Us are concerned it wouldn't matter if you had a Coop account or Nat West etc...even if your card says Visa Debit, it would seem Toy r us take it as an electron????

Its bizarre Lesley, I am sure ive put it through as a Visa Debit before. [:)]

Bizarre question, but I just tried to place an order online with Toy 'R' Us and when it came to the card details I selected 'Visa Debit' as the card type because thats what my card says (opened an account with Coop recently and they send out Visa Debit now not Electron as I am sure some of you will ...

Yep I agree. First one I had was terrible, I was shaking like a leaf! Now I just tell them straight. Glad you had a positive responce to the 'no ref number' question, I wasn't so lucky, but at the end of the day we are all sorting out our problems so they can just wait![:D] Well done!

Agree with Lesley. Don't under estimate your outgoings, be totally honest. Otherwise you are setting up yourself to fail an IVA.
Im actually so paranoid I think I would declare I spent a pound and won it back on a scratchcard![:D]

Im new too so this is only in my opinion, but it dosen't sound right to me....and, the very word 'credit' fills me with dread....im a cash only girl now for the rest of my days [:)]