Thanks again for the feedback. At a push I would be looking at around £10000 that I could pay as a lump sum, this would come from family. But they would only provide the funds should this clear the debt, if that makes sense. Given that I have 4 creditors it would be spilt amongst them. So at a quick...

Thanks for the reply's, It seems that my wife's assets will not be taken into account which makes me feel better about. Although I understand that her income will be taken into account. I will speak with an IP on Tuesday for further information and hopefully be able to move forward. Although one thi...

Hello all, Looking for some advise please. I was in a IVA that failed at the back end of last year, due to a number of reason. Since then I have not heard any thing from my creditors until a few weeks ago. I have recently gotten married, and recently found a new full time job (good salary), which me...

My partner is looking to by a house, which in time we hope to both live in. She is applying to the time2buy scheme, but because i would be living in the house my name would have to go on the application, and therefore any mortgage application. Although on her salary alone she would be able to get th...

Thanks for the reply, I would be starting from starch with regards, so would be a new account.
I was not sure if the carr out credit checks for new customers?

Thanks

I am looking for advice on renting, looking over the form i have been bale to find advice on renting a house. I have spoken with some agencys and they would be willing to let me rent even though i am in a IVA. But i would have to pay 6 months rent upfront, or a guarantor. This is something that i sh...

Thanks for all the replys, Just a quick update that i spoke to the company this morning, and they tell me it was an admin error. They are willing to refund the money taken, although it takes up to 10 days. Which is one thing i never understand how money can be taken right away but refunds take so lo...

thanks for the messages. I will be speaking with my IP in the moring and the company. I did get a new account before my IVA, although stupidly before my IVA was set up a made a £20 token payment until the IVA was set. But since then i have not had any problems, it seems strange that 14 months into m...

Hi all, Wried question really, i have been in my IVA or over a year now. But I have checked my account today to see that a creditor has taken money from my account. A payday loan company has taken £290 from my account. I am shocked most of all, that this has happen, but also wonder where i stand on ...

Hi all, I am looking for advice please, at the moment i live at home with my parents are fiancee. I have been in the IVA for 2 years now and currently paying the max £200 house keeping/rent allowed. While i have been very grateful from the help my parents have given us. We feel like we now need our ...

Hi all, I have been in a IVA for 2 years now, and at the moment i have been paying rent 490 a month. There has recently been a death in the family, and a close relative has come into money. They have told me that they would be willing to pay a house deposite for me. Lookinag at some websites and qui...

Good evening, I am still waiting to set up my IVA, there has been some delays in getting balances back from creditors. But hopefully this should be sorted in the next week or so. In general a lot of my creditors have been understanding, by putting my account on hold. I have also tried to keep them i...

At the moment i am at the stage where i have sent back all the paperwork and payment for me first month. So really i am just waiting for a creditors meeting date to be set. This is why getting more debt is not something i really want to do, as this would also need to be put into my proposal. I also ...

Thanks for the feedback. I understand that the charges could be included in the IVA. But i was thinking that i might be able to close the account or cancel the Cheques but i think this is a cost of £10 each. So i am going to speak with my old bank tomorrow to see if they is anything that they can do...

Good afternoon, I am in the process of setting up a IVA, of which the payday loans are part of. I have now set up a new bank account with the Co-op who are not me creditors. I have spoken to the payday loan company's to tell them about my plans, but they tell me that they system that they use is aut...