Hi - just wanted to update. We decided to go with a Full and Final offer using funds from my husband's pension and it has been accepted....needless to say I am delighted.!! I know we are incredibly lucky (despite the misfortune we have had along the way) as our IVA was only 18 months from beginning ...

Hi Mel - that certainly gives me something to think about. Can I also just say that I have used this forum a lot (as a viewer not a poster) both before and during my IVA when I have been worried and not sure what to do. Your advice always stands out as reasonable to creditors and compassionate to pe...

Hi Lem and Melanie Thanks for the advice and responding so quickly. My husband has other pension provision which he won't touch until he is 60 and I also have good pension provision. The value of the pension he can draw down at 55 had an unexpected dividend and is paying out much more than we had th...

Hi - am in need of advice again. My travel costs for work have recently gone up, I am due to lose child benefit in full in January and my mortgage is increasing as I am with Santander and they have increased their variable rate. My husband is still having difficulty finding work and the net impact o...

Just wanted to update to let you know my variation for a reduced payment of £150 was accepted. Thank you so much for the advice.

Thank you Michael and Melanie - your advise is more encouraging than my IP - I think they are just being cautious about giving any indication in case it does get knocked back. Re Bankruptcy option - I don't want to go down this route as I am a home owner (mute point as I am in negative equity so tec...

I had an IVA approved in July 2011 for £450 per month with a dividend of 40.62p in the pound. My husband lost his job in Dec 2011 and our income has dropped by £800 per month. I maintained my IVA payments until May 2012 and then had a two month break. He isn't entitled to benefits because my salar...