Hi Melanie, Thanks for your advice, yes we do own our property but unfortunately we only have equity of about 10,000 pounds and I think our debt was about 75,000 we are currently paying 500.00 a month so we would need a lot of money to clear it! And yes I think you are right it would maybe better ge...

Hi all I have another question please.... I have been told that sometimes you can ask for a year out in certain cirumstnaces. My husband and I are really keen to have another child so that our children are close in age. My husband is in the process of getting new job with much more money so the cost...

Hi Melanie, No the IP did not know about these, to be honest they were just in a draw somewhere and I never even thought about using them UNTIL I found them months later and then did start using them. Do I need to discuss these with my IP or can I just cut them up and pay them off? I think in total ...

Thanks for your advice, I think I will cut them up and just continue paying, the balances are not huge and would be able to clear them with the 50% of my sales comission that we are allowed to keep.

Regards

Becky

Becky

Hi There, I have just completed my first year of IVA with my husband. we are due for the yearly review. when we started we included all our creditors apart from two store cards with a 0 balance. In the past year we have had to use them a little (not huge amounts one is mothercare and having a new ba...