Hi, I am just at the beginning of IVA,have spoken to an administrator today who is preparing case and she has advised that Northern Rock will push for 72 payments.Has anyone else experienced this?
PS 3rd direct debit to creditor this week not paid today,feels very strange!

After all the advice and support I have received from everyone I was brave today and went to the bank and cancelled all direct debits to creditors! Thanks

Hi Winter Blues, I believe it is totally unrealistic to expect to manage on one monthly shop.I would advise drawing in cash a fixed amount each week for groceries/household items as you will need a constant supply of fresh items such as milk atc and you cannot live on the freezer alone.Do you have a...

DRD have all my paperwork and have paseed it to the IP to prepare case.Am awaiting a phone call from them and I assume will receive a copy of proposl to approve in post from them. Thanks winterblues for replying on my other post,I have got confused when registering and seem to have two profiles now!...

Has anyone had an IVA rejected or had any experience of why it would be rejected.My main debt is with LloydsTSB,has anyone else dealt with them? Thanks for all previous advice,I am finding this forum very comforting to know there are others out there with whom you can share problems as I do not wish...

Thanks for all your advice,I think that a combination of stress and a glass of red wine got me confused and it was debt release direct who I have been in contact with not DFD.Sorry to have made you all put your thinking caps on. As to stopping using cards i know that you are all right in that I have...

I have completed all paperwork with creditor statements etc and have passed that to debt free direct who have now passed it to Varden Nuttall and I am waiting for a phone call from them.At the moment all payments to creditors are up to date and have been paid this month

I am in the process of applying for an IVA and am still getting to grips with it.I am having to continue using credit cards to live as I cant afford all my outgoings.However as I know that the debt is about to become subject to an IVA I am petrified that every time I use my card it is going to be re...