Thanks for your input. Yes I think they will want the full amount too plus fees. I wasn't aware about liability interest, but now I know, it's something I can factor in. I'm just trying to get an idea, as if I lose my job I will need to have money to rent. But at least the IVA will be paid off . Tha...

Hi. Just looking for some advice.Since I took out my IVA in 2010 my property has jncreased in value enough to complete my IVA in full.I am happy to sell and go into rented accommodation as I am in danger of being made redundant this year. There should be enough money to pay back 100% in the £. Is it...

Thanks very much for all your input guys. I don't often post on here, but I do come on to see how people are coping etc. It does really help to know others are in the same situation as you. Anyway, I will give it a go and see how I get on. Fingers crossed. When I fisrt gave SKY up pre IVA they badge...

Thanks guys. I would like to get it. I just wondered if anyone had been successful in getting it whilst in an IVA, as you guys seem to have SKY pre IVA so it would just be continuous. I'm not if they credit check you for SKY and if anyone has been successful in getting it once they have entered thei...

Thanks. That's really helpful. I must admit I have really missed it. I'd only want the basic package so that sounds fine. I had to give it up pre-iva as one of the things that had to go, but it would be nice to have it back. I think I'll bite the bullet and apply and see if I get accepted, as they a...

Are you allowed to have SKY tv in an IVA. I gave up SKY when I entered my IVA a year ago, but I do really miss having decent programmes, and as I work shifts it would be nice to be able to record things. I often miss things when I'm on nights. I think I could probably manage the basic package out of...

I agree. Although I don't post that often. This forum has been a lifeline for me. It helped answer a lot of questions I had regarding my own debt. I thank the professionals and everyone else for all their sound and useful advice. I had already been considering an IVA before I discovered this site, b...

Hi Kitty, I'm just in the process of setting up an IVA, and I agree you do feel shame and embarassment, but I confided in my Mum and brother at the weekend and was amazed at how supportive they were. They knew I had been struggling for a while and had been helping me out, but didn't know the extent ...

Thanks Kallis3 and Plasticdaft. I agree that however you send them, some will deny they ever arrived! I was just looking through other posts and noticed that some guys had sent them recorded. I think I will just send them normal post. I'm expecting the calls to start shortly anyway as some payments ...

Hi Sam, I too asked the bank for help as they could see I was struggling each month, as one of my c/cards is with them too, but they really didn't do anything to help. Considering I had banked with them a long time, and until about 3-4 years ago had been a good customer , but fell into difficulties ...

Thanks for all the advice guys. Yes I did get the money out. I went into the branch itself and withdrew over the counter. I did feel a bit guilty, although relieved, but I really wouldn't be able to pay all my bills without it. Then got my new bank account details Sat morn so have managed to deposit...

Thanks again guys. I'm going to go straight down tomorrow and take it all out. I know I will be a gibbering wreck though as know some of the money is theirs, and like all of us, have tried to pay back my debts, but wouldn't be looking to do an IVA if I wasn't really struggling. Thanks to you all for...

Well done Kitty33. I'm sure you are relieved. I hope one day I have the same news to share. Good luck for the future and sleep well tonight!

Thanks for your advice guys. It really helps to share things on here. I really do need the money to pay all my other bills/mortgage etc and without the overdraft money I won't be able to do that. The overdraft is included in my IVA and as much as I'd like to pay it back now, it will leave me nothing...

Unfortunately, I get paid tomorrow and although I have arranged a new bank account I haven't had the details through yet, so couldn't arrange for my wages to go straight into that. I was going to withdraw it from the atm over the next couple of days, but what with the bank holiday I will probably be...