Just a quick one! I receive DLA for my severely disabled son. In the past this went into a separate bank account, to be used for things my son needs because of his disabilities (nappies (he's 10), bedding, clothing, specialist childcare etc. When i entered into IVA last year, they insisted that this...

Thank you for replying Andy. I've have kept up to date with my IVA payments, and am trying my hardest to spend as little as possible on food and daily living expenses. I don't think my income has decreased, or increased, but just about all of the bills have increased in the last year, some quite con...

I'm one year into an IVA, and struggling with the payments. I've included a list of my income/outgoings - and am in the process of lowering my outgoings. Changed food shopping habits - to cheaper shops, and in the process of changing gas/electric supplier to one which is slightly cheaper. Should I h...