Hi I've had this happen to me in the past, although it has been pennies not pounds, it was refunded. As suggested, I would keep an eye on it to check you get your refund.

The very best of luck from me too.

I am at the same stage as you, all my paperwork was posted off on Monday. House is being valued tomorrow so once I get that in writing that's everything done and hopefully we will both hear very soon x

I have used my paypal top up card to do exactly what you are asking leakybrain. That is, to pay postage for my ebay sales at the post office, had no problem at all.

Hi and welcome. You are not rambling I had the same fear and it seemed to take forever for my new account to be opened. It was actually only just over a week, but once I had told my employer my new bank details I felt a bit better. My timing was a bit out because I started the IVA process and wages ...

I actually work for the Lloyds Banking Group. I worked for HBOS at the time of the takeover and my payslip still says HBOS not Lloyds. Furthermore, everyone who works for the group has had new terms and conditions, effective 1st October. My employer is still listed as HBOS plc. Sorry for the ramblin...

Thanks winter_blues. I was worried that Nationwide would close my account and I have just been approved for a Co-op cashmnder, thought I should have a back up just in case!

I am currently awaiting my draft proposal and I have managed to open a full Flexaccount with Nationwide but have not taken the overdraft. I was wondering if my IVA does get accepted will the dd payment alert Nationwide that I have entered into an IVA. By this I mean will it be obvious by who the pay...

Lesley thank you so much, I value your opinion and I was thinking of stopping paying (all my accounts are up to date at the moment !) and building up a contingency is far better in the long run. Here you are on the day you received bad news still offering advice and trying to help and reassure other...

@broke of london when you say '.... I didn't pay anything to my creditors once I had started IVA proceedings' do you mean once you had given your chosen company the go ahead or once you had signed the proposal? sorry for the questions just trying to figure out what to do for the best.

I'm reading this thread with interest as I too am very confused about the pro-rota payment CCCSVA advised me to do. I am half tempted not to pay anything but I was advised that it will go in my favour in that I still attempted to pay something every month. Would this actually be mentioned during the...

This is a really good idea. I'm just starting my journey I'm at the drafting of the proposal stage and my emotions are very very erratic at the moment. I'm looking forward to the moment when my bank statement, the day before payday, says 0.01p cr and not 4 figures debit. Hope your feeling better soo...

Running, listening to music and playing games on facebook .... currently addicted to bejeweled blitz

Hi all, I am just starting to go down the IVA route, waiting for my proposal to be drafted. I have been thinking about getting a second job working behind a bar. From the enquiries I've made 2 shifts a week would give me just under £50 a week. Would all this have to be handed over? I have an old car...

I have to agree with kallis3 I'm supposed to be the sensible one in the family and could not face disappointing my parents. Everybody's situation is different but I personally just could not tell them about the mess I am in. I would love to be able to come clean and if anyone is in a situation where...

Welcome! I am also new to all this and just starting my journey, I have 2 appointments next week with different organisations to discuss my options. I too have buried my head in the sand for too long and once I made that first call felt a little positive in the knowledge that I am trying to do somet...