I think our issue is the I&E is not realistic but can we go back so early on and challenge?
Thanks for the Xmas tips everyone. Tough times ahead but reassuring (if that's the right word) to know we're not the first and certainly won't be the last to go through this.

Hi, we have already said we are cutting back and have cut down the list of people we are giving to dramatically. Our main problem is we are just struggling in general. Common issue at the start I guess. Ta again everyone for the advice.

IP is sorted through Freeman Jones.

Hi all, firstly many thanks for the welcome. Very much appreciated.

It's all a bit daunting and a shock to the system but hopefully we will get used to it.

I've emailed them and expect a call back tomorrow..we'll see I guess!

Thanks again all.

Hi, I've just started my IVA and already its a struggle. There has been no allowance for Christmas and my next payment is due tomorrow. I want to take a holiday or reduce the payment. Any experiences or tips to share? Much appreciated.

Hi,

Can someone confirm the position with regards to banking once you are in an IVA? My wife and I have a joint account with VISA Debit cards. Can we keep these (as they are not credit cards)? Thanks

Hi, I am considering the IVA option (not that it's a choice really) but I am unclear how this will effect my ability to work. I am a contractor (through an umbrella company) in Financial Services (i.e. regulated by the FSA). Do I (when do I) declare my IVA status to the agent that placed me and / or...