Hi sorry about your problems, it's a bumpy ride, but worth it in the end, I'd say stick with your iva bankruptcy is a quick way out, but I think you have more to loose, plenty of advice on this forum to help you through it. Good luck.

I also got a letter a month ago, I called them, they said they were waiting for a completion notice, I completed in 2012 I told them, oh said the person I was talking to just send us a copy so we can update our files, unbelievable

I also got a letter a month ago, I called them, they said they were waiting for a completion notice, I completed in 2012 I told them, oh said the person I was talking to just send us a copy so we can update our files, unbelievable

thank you all ,i could write a book make interesting reading good luck to you all,

well it arrived [:D][:D]now to build my credit worth,for all you in a iva keep at it .it does end ,many thanks to D.F.D for all there help .some weeks i supprised myself at my thrifty ness.[;)]so lots of love and luck to you allxx

hi mike and welcome to forum .have you not tried Ebay or amazon ,when i was short i would have a look round my house to see what i could sell ,It tough to start with but it does become a way of life and its fun being frugal.good luck and keep posting.

hi,and welcome ,sure this can be sorted ,take care xx

hi ,yes they will need to be declared as i think they are classed as an asset ,and any payments from them during your iva would be classed as a windfall ,hope this helps [;)]

Paul honey if you lived round the corner from me i would come round and give you a big hug please stay strong for your family ,and post on hear as there are lot and lots of people who are concerned ,you need never feel you have to face things on your own xx

I have three dogs and have managed to look after them and continue with my IVA and would not be without them - I would struggle myself before letting them down. You're obviously not a pet lover Hippo. well they are my children that live out doors and being that i make my own hay and grazing is chea...

hiya all what amazing posts , i think at the end we need councling to get us adjusted to normal shopping ,when i recently changed banks i nearly blew a fit when they asked if i wanted an over draft or credit card the most desperate thing i had to do was was say my horse was smaller then he really wa...

hi roma welcome dont worry it was just some exercising there freedom of speech .

hiya this is defo for a chat with your ip they should sort it out for you after all its what your paying them for fingers crossed for you

hi sorry if i have offended anyone ,our local paper states local br ,i must live in an area where there are many br ive seen the results on people .at the end of the day it is down to the individual what they think is best for themselves ,

hi,can i add my twopenny worth ,BR has a stigma attached to it ,you loose everthing even self respect as your name is placed in local paper ,IVA YOU ARE IN CONTROLE,and i am quiet hapy to pay for this and follow the rules,its all about teaching us to live with in our means ,3,5,6 years what price fo...