No we dont have an property,and are going through payplan. the savings are purely for emergency (car) as we both have to use cars for our job, if either of the cars went pop we would need to buy one immediately for work, so I dont want to part with what little we have. We would be another ten years ...

Oh god, thanks Ivoryfalcon, I will withdraw my savings today and call nationwide to open an account, although I dont hold much hope as hsbc wouldnt let me open a business account.

I think I will email them now and ask them to put the whole thing on hold while I ask them questions. It has taken me two years to build up some savings (which is also my safety net) and I am scared to lose it all now. I feel like I am back reliving all the stress that initially pushed me into conta...

We have done our i and e, it didnt cover anything contingency fund wise. We have been in a dmp for 5 years so I am used to the budget, with the job I do my income fluctuates alot at specific times of the year.. august is the worst month and that is why the overdraft would be used.

I could use my savings to add to our account (which is totally sep from debt), but keep the overdraft as our emergency fund? I really dont want to have to change bank accounts again as we changed to hsbc to be safe. We dip into the overdraft due to fluctuating pay dates...so if i did that we wouldnt...

ps, the kids accounts are with nationwide and totally sep

Thank you. The accounts are in the childrens names and they also have premium bonds however they do have my name on as well as they are all under ten years old. I have also been putting some money aside each month for emergencies, will they 'find' this? I need some money in case my car goes pop and ...

I have several questions. With our 'safe' bank account we have an overdraft, I have been told to cancel the overdraft but I am unable to for a few months as we are using it.... will they check if it is cancelled or just the bank balance prior to the iva agreement. Also, will my childrens bank accoun...