yeah they have failed it, i got a letter the other day. i didn't know that they had called a meeting to decide. i started to get behind in my 3rd year, my payments had gone up to £330 but it was way to much to manage. my hours were cut at work which didn't help, i got phone calls from my ip company ...

the payments were part of the iva, the reasons were things like my daughter being out of nappies, but i had another child.our income has stayed the same but everything has increased over the years, like the council tax, our rent, food and household bills. i sent all the increases on the yearly expen...

well i kept telling them i couldn't manage the payments and after everything had been paid like rent etc £200 was all i had left. Then i got this letter saying my iva had failed and the £500 for bankrupcy was to go back into the fund, which in the original agreement they would site bankrupcy if the ...