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sorrry no idea

thanks just want to know if we can fix. scared intrest rates are going to fly up and struggle to make payments.will ring them. we just didn't know if you could make any changes to mortage whilst in iva!

hi just a quick question, been in iva for 3 months. managing just! is there any chance that you can apply to your mortage company and fix your mortage rate when you are in a iva?

hi i am in family of 2 adults and 2 children. i have an budget of 400 for food and 70 for school dinners. it is very tight you learn to make cut backs.

what a positive post. this is our first christmas in iva. with two chidren under 6 it is a challenge. previously i have done the same and bought for the kids and family on cards then had the stress in the new year. it does feel good this year as you wrap the presents knowing they are paid for!!!!! t...

hi
i know how you feel! just try remember the big picture you have security in not worrying how to pay all those credit bills. the kids have a home with a mum that loves them, thats what christmas is really about.

we had our iva accepted on the first nov still can't really believe it. it feels so weird not to be worrying about juggling all the bills,wondering how we can get through the month. still cant belive the iva was accepted with 100% aggreement! i just hope we will manage to keep to budget any tips es...

we had our iva accepted on the first nov still can't really belive it. it feel so weird not to be worrying about juggling all the bills. wondering how we acn get through the month.

i just how we will manage to keep to budget any tips especially with xmas and 2 small children?

thank-you for responding so quickly its nice to talk to people who have been through it and have some understanding of how we are feeling. we are so cross at our selves for getting to this point. i really didn't want to go down the iva route. however since reading this forum i feel that we will cope...

so does this mean we dont have to try and find any money to top up the accounts?

hi
can any one help we have gone over the overdraft on the bank account which is going in the iva (if accepted). this ahs happened due to bank charges. do we need too get back to the agreed over draft limit before the creditors meeting on the 1st nov?

hi, me and my husband are with clear debt we have just been told that our creditors meeting is also on the first of november. our process leading to this point was the inital talk on the phone. we then sent information on our debt, very painful. about a week letter we recieved a draft proposal, on a...

thanks for the info, i will look into it. i will leave it a week and keep all fingers and toes crossed that i hear from co-op. would much rather not have to pay for account, but will if needs must!isn't this such a stressful time, it is the uncertainty that i find hard to deal with.

HI i have just been sent my draft for approval. all looks ok, am signing to go down iva path. deep down really don't want to can't believe it's come to this! my company have told me it would be advisable to not proceed until my new bank account is up and running. i too am having difficulity setting ...