<t>Hi, our Iva comes off of our files I’m august this year. We would like to apply for a mortgage. I understand that using a broker to do the work for us is a good idea, but I’m worried about paying £1000 to a broker for them to come back with an offer from a lender at a rate that we couldn’t afford...

Hi my husband is in the armed forces and we are looking into doing an iva. Does his job need to be told about the iva? He is quite worried if they find out he would be penalised for it, resulting in a hold back on his career which he desperately does not want to happen as he has quite a bright futur...

brilliant thankyou!

yes i think i will be picking one who understands our circumstances especially as socialising in the forces is often mandatory! Hopefully Mel will be along later as she has helped me previously! Tankyou all

Hi I just have a bit of a question about payments into an iva in our circumstances. We are a forces family and have to move house alot which thankfully the expense is paid for by the forces. We do however get a disturbance allowance which pays for things like, new school clothes for the children whe...

my husband and i are looking into an iva and wondered if someone could help me with this question. My husband currently works and so we are hoping our joint iva will be accepted for the both of our debts (no joint debt though). I would like to go back to work when my daughter can go to nursery and s...

We have had the same thing happen to us. For the award period 2010, we have been over paid a huge amount. Fault on both sides again and I am just waiting to hear how much they want off of us a month! Im dreading it!! Also we have not started an iva so once we have looked into which company to go wit...

Thankyou so much its great to know it can be included! Another reason why we are in this mess is i had to leave my job as we were moving away which really wasnt helpful....... but it had to be done. We are going to gather more info on ivas i think and then shortlist a few companies! Thankyou all so ...

Yeah it is very hard and im constantly left on my own to deal with the debt letters etc as my husband goes way for months on end. I think our mess bills are £75 a month this includes the battery bill aswell. we have been avoiding non compulsary functions as we just cannot afford it, and with the one...

No they are not deducted before he gets his wage, he gets a bill in his hand he has to take to the finance office to pay. So he has to pay it out of his take home pay each month. That would be brill if mel could advise! Hopefully she will be along later!

Thankyou for all your help so far everyone but i have yet another question. My husband is forces and so he cannot go bankrupt so an iva is our only option i feel. He has mess bills to pay every month a bill which is charged through work which he has to pay (otherwise he can get charged, i.e in serio...

oh really mine is £35 with vat, oops may have to lower it then!

oh well i dont mind staying with the current company as long as we can keep them going! Thank you!

Are we able to keep our phone contracts when entering into av iva? My jusband and i both have contracts that are not up for renewl for quite a while. We are up to date with payments with them and would like to keep them if possible. My husband goes away with work alot so i would need to be able to g...

yes that is good news! At least my children wont lose out!