We are in the process of a full and final settlement with pay plan, we have just returned the signed paperwork to them so we expect a meeting date shortly. Should the offer be accepted what are our financial responsibilities after the final payment is made? My husband may get a bonus and pay increas...

We have submitted a full and final offer on our iva, my husband has received paperwork to say he has breached his iva, but it will be dealt with at the same meeting as the f&f?? I called payplan to find out what this means and basically they said Max Recovery had to be added to his Iva? I don't unde...

I am in the process of offering a full and final settlement, if we are successful it is my hope to sell my property straight away and downsize, we re in slight negative equity, my current mortgage is with Natwest, my question is whether Natwest will port our mortgage over to a new property as we wou...

We are in the final year of our IVA, I have a few questions, my father has offer to make a final settlement on my behalf, is there any way I can work our roughly what they will accept? Also how long is the RX1 in force on our property before we can move on, is this a standard amount of time as I can...

Well done Kat, I know we working moms try to overcompensate, for me this month it is a bit of the opposite, our credit cards had been maxed out for ages so this month I have been able to treat my daughter to some reading books she has been asking for, for ages, it doesn't sound a lot but like you sa...

I know this sounds silly but I am actually quite excited about regaining full control and not spending excessively. I am so used to just going out on a whim to buy things that we don't necessarily need. Although I am going to treat my girls to a KFC for a treat for dinner as they have coped so well ...

I posted ealier this month that due to duplicated dd's n poor budgeting that we only had £36 to last a family of 5 for 2 weeks, well we managed the £36 went on diesel and we used up all of the food in the house (our cupboards are like Old Mother Hubbards) lol. I am armed with an expenditure spredshe...

I was approved on 24th March with payplan and believe me I know what you mean when you say your nervous already, Like I say we were approved, no amendments whatsoever and 100% creditors voted yes, so all I can say is Payplan got it right for us.

Good luck for the 5th but I'm sure you won't need it.x

Mrs Knight glad to hear that the parents seem to have sorted their children out, but sorry to hear about your youngest son, it makes you wonder if there are any nice children out there doesn't it. Also, I know how you feel about your self esteem and confidence issues, I was in a violent relationship...

Thanks Martine, I'm glad to hear that your son has been able to move on from his bullying. It is appauling that the schools don't even care about the welfare of the children after the event. Hoping to hear very soon of an appeal date for Charlotte's new school, then hopefully we can all gradually re...

There are just so many horror stories, i'm certain it wasn;t this bad when I was at school, my daughter self harmed because of bullying and I feel so helpless that I didn't protect her and the school just seem to have disregarded her. She will have to stay at home until they place her in a new schoo...

i know they just steal your heart don't they

I am an accounts clerk. yawn. Mum to 3, and wannabe dog breeder cause I love my shih tzu's

My 13 yr old daughter has been out of school now for 4 weeks due to bullying, no one is bothered about finding out who is doing it and why but it too has been going on for almost 2 years. The school have only just contacted me to go for a meeting to explain why she hasn't been to school even tho I h...

I can't priase this forum enough, Lizzie from payplan has sorted my querie out, it turns out that one they recieved my letter from tax credits they have now reduced my monthly payments, phew!! without everyone on here I would have just settled for what the chap told me on the phone and would be £44 ...