my husbands salary has been about £700 less over the last 3 months - but we still have to make the same payments - where are we supposed to get the money to make the payments?

if i get a bonus at work do i have to pay it all to my iva

We were initially told that if we had to replace large items in the house - fridge, cooker etc we would be able to do so when we first discussed an IA - but have now been told any costs for large items like this will be added on to the end of the IVA is this right?

Our car broken down- the engine is seized and repairs will be about £2800. What do we do? can't sell it and don't have the money for repairs, had to take time off work as I can't get there as we only have 1 car, please help

I have an IVA - is there any allowance for a holiday or break away of any kind? and what about Christmas - can I buy my kids presents? I am with Payplan and the info we have been given seems a bit sketchy - noyt a lot of contact from our case officer