Hi Mel.
Mortgage companies generally have a less aggressive approach if you are less than one month owing...

Make sure you list every single penny u spend.
Even things like lunch money, school meals, house repair, even fags.
I I have an exhausted list accepted.

Hi Pap. Just know that you're not alone by a long shot.
Don't panic mate.

I thought it was strange. Complete madness!

So erm lol
Who phoned and got it halved? lol.

Fantastic news. Onwards n upwards.
What made them not believe your change in circumstances?

Yes. The IVA is too much with one income and paying another rent.
I've put this in the F&F offer. Hopefully they'll see sense?

The key in keeping them updated. Thx all.
Praying F&F is accepted.
Sent Thursday... :-/

There is property.
I have had 2 payments missed already via agreed payment break.

Thx Melanie n all.
Puts my mind at rest.

Andy. If I fall into a DMP do I have to pay the whole original amount or what the balance is?

So. Getting back to the point.
How many have phoned to cancel and halved their bill

Ok thx.
Can they cancel it though?

IVA's seem so precarious. If your circumstances change and the request of lower payments goes to a meeting, can the IVA be cancelled at that point? If so, sometimes it seems better to suffer and starve and get on with it. Doesn't seem right. Is there an option to continue if a request to make lower ...

Sounds a plan.
The problem is my extra expenses would mean mine being reduced.
What power does an IP have regarding contributions?
If the contributions are reduced, does the term remain the same?

Are your circumstances the same?