Hi I had a payment break years ago and the three month break was added onto the term of iva.I have no equity and my iva will finish on month 60 can I pay off the three months payments on month 60 or do I have to pay month 61,62 and 63 it's just my nan has given me £300 meaning I could pay the iva of...

Its good to see positive posts for those that are quick to judge I hope you never find yourself in a situation.There are negative people who need to keep opinions to themselves wouldn't be surprised if there not even in debt and are just on here to annoy people who genuinely need advise.Thanks to th...

My son has been through a lot over the past months due to me separating from his dad which turned his life upside down not a straight forward split.I thought he wouldn't do his exams but he did which I am very proud that he didn't give up when life got tough.After talks he is going to go to college ...

HI been told my 16yr old can support himself cause he aint going to college loss of tax credits and chb.He will be took out of expenditure so it looks like I can afford payments.I cant make payments anymore cause I am down £400 a month and ex will give me money so I can keep roof over sons head unti...

I have sent an email saying I can pay my payments July/August as agreed but come September I will lose benefits.Ex has agreed to help out so I don't fall behind with mortgage until I find a full time job.Do I stop payments from Sept?How long does it take to arrange a meeting and have payments made t...

Thanks I already have the min allowances in my budget with no contingency so it gives £100 surplus to make payments to iva since the separation.Ex is still on mortgage and said he will pay more so I wont lose home until I find full time job.I am looking for full time work but finding it hard to get ...

Thanks for the replies IP said there is nothing they can do now because of my surplus income but I think creditors should at least be made aware that I cannot make my payments from September heard it takes a few months to set the payments made to date meeting up anyway.

HI everyone really worried in Sept I will lose tax credits and chb.I already have the 15% reduction and so does ex who moved out months ago.We both have separate ivas with really tight budgets.I will lose around £400 a month and wont be able to carry on with payments.We are both 4 years May gone we ...

my son is 16 years old and leaving school been told creditors will view that he can get a job and support himself ?How do they think a 16 year old can support themselves financially when the hourly wage is around £3 ?They said my allowances will go down because I wont be supporting my son so I can a...

with loss of chb and tax credits due to son not going to college been told creditors will view he can support himself if he doesn't get a job how will he do this ?been told I will still make payments because I wont be supporting son ?Who will be supporting him then ?with the loss of income ?

Hi everything has the school logo on except trousers and socks !!there is only one shop you can buy it all from and its expensive.I have included new shoes in this uniform expense.Lets hope they let me keep overtime to pay for all this.

50/50 split on all overtime earned what if my share doesn't cover the costs ?

Would I be allowed to use overtime money to pay for uniform ?If not will have to cut back on food budget to be able to afford extra expense[:(]How many ways can you cook an egg !!

New to this sorry for the duplicate post[:)]

Hi does anyone know if school uniform is included in your clothing allowance?My sons uniform and new shoes will be around £250 needs everything.We get £60 allowance a month clothing for 2 adults 1 child.[:)]