Hi Kerri, Thanks for your reply; I see what you mean about the other creditors not being happy about favouring one loan over the others. What I was trying to do was free up the cash in order to pay them back; I guess it is not as black and white as that. I have read your blog and it has really helpe...

Hi All, Many thanks for all your replies. I am slightly overwhelmed at the moment. I think that in our hearts of hearts that we knew that we were not realistically eligible in our current situation. Our current plan of action is:- 1. Get a job; this is where my partner and I have our main disagreeme...

Hi Lily, Thanks for your response. I sorted out the list yesterday so have it to hand. Income Partners Salary £2800.00 Child Benefit £123.00 Tax Credit £45.00 Total Income £2968.00 Our outgoings are presently:- Mortgage £1078.3 PictureIT £745.00 HP Car £110 Telephone £35 TV Licence £8.63 Sky TV £0 C...

Hi All, We have been lurking on this board for a couple of days, trying to work out if we are eligible for an IVA. A little background. Firstly, I think that we are gutted, embarrassed and extremely worried to be in this position to start with. In hind sight we should have stopped our spending at le...