Hi i was hoping for some help. we went to CCCS online for help when deciding what options we needed to look at however at the moment when i go through debt remedy it now asks that i call which i am sure is nothing to worry about but now paniking me. it always gave us option of IVA but i am worried n...

i am glad some one has posted this as i to have been doing all our sums however i do not know how to work out p in the £ (sorry if thats stupid) however looking at our debt £48,000 unsecured but there will also be shortfall from mortgage around £30,000 (embarrassed to even write this feel so ashamed...

Hi everyone thank you for your feedback i appreciate we are very fortunate to have our parents help but i dont want to take advantage and get a really expensive car but i also understand it needs to be reliable. you made a good point about the mileage which i never thought is there a maximum as to w...

hi i would be grateful for some advice. we currently have a car on Hire purchase however the payments are rather high £250 per month and as we are looking at IVA this would mean that financially we prob wouldnt qualify for IVA as SOA says we have 350 extra a month but if we included the car this wou...

thanks everyone for your input - however i am now even more worried we paid this money a few months ago before our circumstances changed and we found ourselves in this difficult position we have both been high earners and spent a lot on credit but always paid it back and have never missed a payment,...

so was nothing said to any one about using the cards up until IVA decided, we wont use our cards now we know there is a serious issue but as we didnt know we didnt think anything of using them.

as i have explained on previous posts we have found ourselves in a very difficult situation very quickly due to job loss and illness in the family so are now having to look at options (IVA or bankruptcy) however as this was sudden and not expected we have up until two weeks ago been using the credit...

so let me get this right if i pay my parents back prior to entering into an IVA this is ok? will the IP not wonder why i have favored them and will i get in trouble?

hi footie mad - do you mind me asking how much you paid your sister back? and why did you not get in trouble? surely this is favoring one creditor over another or am i missing something

thanks

we were thinking that we can afford some payments so would like to pay as much back as we can and i was under the impression that the restrictions on IVA were not as tough. e.g renting a property, keeping car (Which is on hire purchase needed for work) also bankruptcy may effect my husband future jo...

hi i am new to this website and wanted some help and advice. we have been toying between bankruptcy and IVA however we are really not wanting to go bankrupt but we thought that was our only option but now think IVA might be better option. we have taken advice from CCCS and that recommend IVA however...

i honestly dont have anything joint with him we have always kept our finances separate and bank accounts i have my own. we split the bills he pays for mortgage, utilities, phone and council tax and i pay for food, living costs, insurances (car/home) as he has always earned more this is how we have d...

thanks for all the advice tina we are going to speak to some proffessionals and hopefully get a better understanding its just plucking up the courage to do so. we both know something needs to change - sooner rather than later. as for my husband suplementing me that is not the case these have always ...

Good Morning, I have been researching an IVA for some time and deciding between this and bankruptcy but CCCS has advised IVA is the route to go. however my husband is not convinced. i am trying to get enough information so i can take to him. i have sourced most information but my biggest query is to...

i cant see how interlocking would work better as i pay my parents £330 loan a month (got 3 years left) this was from before i married and i have never missed a payment so my actual debt to cards etc is £4000 is the debt i have in my name. If i entered an IVA then you cannot favor one lender which i ...