It is worth about £1900. It is really starting to get to me now though, it is taking ages for the review process to go through, I have a feeling I will be called into court as well due to me saying that I can't afford to pay any more than I do now.

They are making it really hard for me, they have also said that I may have to sell my car as the creditors may see this as an asset (my dad bought it for me) and it is a big car but I have 3 kids and need it. I wish there was a way I could leave them and go elsewhere.

DFD called me on the other day and said that my IVA may fail. They said that how am I still only able to pay just 170 per month when I moved from my ex partners into my parents, and now that I am planning on moving in with my partner...they seem to think I should have more money when I won't. My new...

Yes, I could not agree more. I just wish I had the money for Christmas! not sure what I am going to do! I guess once my review is up and I know what my new payments are going the be, that will help.

Hi, thank you for your replies. I must admit, I am new to this forum and the help you have all given me has been great. Thank you. If I have any more questions, I will come back on. [:)]

I would like a payment break because it is coming up to chistmas and I have 3 children.

Would I be able to ask for a payment break? if so how would this work? I have read about it but I am not sure if DFD do these. I am going to give them a call but wanted to know if you knew the answer.

So just to confirm, it is under review at the moment, DFD have said that most of my creditors want more money which I can't afford, so my partner has said that she will just allow me to pay what I am curretly paying my parents to help with the bills. So if I move in now, they will not say that I hav...

Hi, Thanks for the reply. Yes, it's an IVA.

I have been with Debt Free Direct for a year and they are carrying out my annual review. I want to move in with my partner but they have said that if I do they will have to restart. Does anyone know what this means? If I just move in and then tell them what is the worst that can happen?

I am currently with Debt Free Direct and have been with them for a year. I am now undergoing a review. I want to move in with my partner but they are saying if I do I will have to restart my payment plan. What does this actually mean? If I just move in what is the worst that can happen as I can't pa...