HI Eliza, keep posting on here, we are all here to help. You should post whatever feels natural as I am sure there will be lots of people with similar circumstances to you. Take care Sam

I will check with husband and hopefully confirm later today.

Sam x

That's great, small steps and little acorns. Sam

Hi, When is this, I would love to meet everyone! Sam

Hi Nocash2012, Well done on getting this far, it must be starting to feel like light at the end of the tunnel. Although I cannot say how creditors will vote on an IVA I haven't seen, I agree with the comments above. As IPs we want all our proposals to be approved and most firms take great pride in d...

Hi Eliza, I'm sorry to hear you feel like this. As advised above you shouldn't feel like your IVA is a prison sentence but should be a debt solution which works for you and your family. Have you spoken with your IP about the modifications ? Your IP will want the IVA to proceed, you should have a ful...

Bother us, we want you to, that's why we're here !

Hi Spanna I see you have some great advice and it will all be sorted out for you. Good luck. Sam

Hi Kirsty, as advised above it is worth speaking to an IP as soon as possible. I had my daughter at 23 and my nursery costs were higher per month than my mortgage so I completely understand how you feel. My daughter went into nursery at 4 months old and I went back to university and paid my childcar...

Congratulations it must feel fantastic

Hi Spanna, do you mean you have some letters to be sent to creditors but not all ? When I send out an IVA I sign the letters to creditors and you sign the proposal and notice to intended nominee. Speak to the firm you have instructed and ask them if anything is missing. Let me know exactly what is t...

Hi Shane, sorry to hear you don't feel you are being treated well by your IVA firm, that is a shame. Most IPs will want to look after their clients and it is possible you are just dealing with lower level admin staff. Make it clear you expect to be treated with respect. As an IP myself we take fees ...

Hi Spanna, what is missing from the pack ?

Hi Alison, welcome to the forum. Owning 2 homes should not stop you entering into an IVA. If you do need a formal debt solution you should speak to an IP for a free initial discussion to establish what you may or may not have to put into an IVA. If you do not want to include your properties (which m...

Hi, with all products like a mortgage it is likely someone will lend but there may be a high interest rate if there is a perceived higher risk. You should seek advice from an IFA though as this is a big decision. As advised by Sponge, look into shared ownership carefully, my first property was a sha...