I haven't been through this and I'm sorry to hear you are. Stay positive about the job search. It may be your opportunity to do something that suits your condition much better. It is common for redundancy to be treated as a windfall with the exception that you can retain up to six months salary whi...

I am being made redundant at work. I have been there nearly 11 years so am ... ah ... slightly disturbed. I will be / am looking for a new post but in this economic climate & my age (55 next birthday) as well as the limitations of my ailment (MS) I am not too confident. Any idea what this will mean ...

My iva started in October of 2010 & it has brought me great peace of mind. However last Monday I was told at work that I am likely going to be made redundant. I have been there over 10 years (a department at the University) & some of my IT tasks are going to be automated. They are going to try to fi...

I read ... I have dozens of unread books. I have however when waiting
for pc repairs felt rather ... disconnected ...

I have been on-line since 1996 & looking stuff up immediately is now such a part of life.

5 down, 55 left ... iva payments that is ... not books

Everyone I know has a cause or charity for which they have strong feelings so this year I have made small donations in their name. I have printed out the confirming e-mails & they will get them with a Happy New Year card ... I thought this action was more in keeping with the true ideal of this holid...

congratulations ... the feeling of relief once approved is terrific ...

2 down, 58 to go ...

I had my IVA approved today. I have already made one payment so 1 down only 59 to go. The monthly sum is so small compared to what I was paying out before which had descended to just the minimum payments.

So living within my income ... what an idea. I embrace it.[:D]

argh ... I just received my first 'phone call from a creditor ... I told them that I was not in but would be back around noon ... what am I to tell them? I am sure my iva consultant told me to say that I was in the processing of arranging an iva ... but I am not sure if I tell them who is arranging ...

Hi Teapot and welcome to the forum. I am surprised at the response from VB as they do come highly recommended on here, and one of our experts is a top debt consultant working for them. Which bank have you gone with? My reaction to the VB woman my well have been my nerves. The Freeman Jones chap sai...

I am been reading the posts here & they make me feel that the action I have taken today is the right one. But I still have many questions - I have spoke with two people about setting up the iva: one a woman from Vincent Bond ... I found her rather agressive but that might have just been my initial '...

I work full time & if I enter into an ivf I would like to know if my employer need be advised ... also since part of my debt is credit card debt to the bank where my salary is paid I would like to know if an ivf action will affect my current account (asSide from the obvious dd of my overdraft)