Hi TM Good to hear your latest news and a problem shared is a problem halved @ herbekj The point I was making about the mobile phone were examples of how to save I had a contract and it cost me a small fortune I changed to Patg the last time I topped it up with £10 was 6 months ago and I have now ab...

Tm Hope you are getting near to your decision as I say only other people and myself can offer some insight or how we ended up on the IVA road I was in your situation and know the exact same feelings and things going around and around and believe me thats normal All you are worrying about is because ...

Hi I would give them a call or write a letter and explain your situation Normally they take any windfall and thats used as a part of your overall debt and then you would just continue to the end as you are now Your IVA payments are essentially a payment thats agreed for 5 years or whatever time peri...

When you have a chat with the Iva company then you will feel a lot better and see what the best way forward is for you I wanted to pay back in the best way that I could I could not have carried on anymore My monthly payment was lower than the bank loan I had which had 5 years to run So in my case it...

:) see every cloud has a silver lining saved £300 already :) Dont worry matey you will take time to adjust and with me I was always looking at things gadgets new cameras laptops checking youtube Im having that and that and that :) then I just stopped then you take a step back and you see everybody e...

Hi I am no expert but as you are nearly half way through its worth having a chat and put your case forward with your IVA company If a bankruptcy is a further 3 years anyway you are not going to get free any quicker just shifting the goalposts As the IVA is just that individual to you, what others ca...

Hi As far as I know coz I am not a legal expert The PPI claims malarkey boils down to 2 arguments 1 That you didnt ask for it and you got it smuggled on to your payments therefore its mis sold = Result 2 From what I have read on the internet it seems that pretty much every PPI was Mis Sold on the le...

:) stop looking back you cant change the past its gone You have made a start now and thats all that matters ok People will think the same as you and why did I do that or buy that Nobody is perfect Just put it down to experience you have learnt a lesson dont beat yourself up with it or it will get yo...

Hi First you have solved the problem by admiting to yourself and your parents thats the most important thing above anything else Money is money and never let that control you Ok now you have to resolve the payback Basically you are already doing that but the amounts are exceeding what you can pay I ...