Thank you both! My debts are about £19.6k. Minus £2600 from that if not including student loan. So £17k without Student Loan. The Remedy tool on the Step Change website doesn't seem to be very accurate when I used it because it vastly overstates what I pay out to creditors and also includes student ...

Thanks guys! My car is extremely bad and it breaks down frequently and often costs an awful low to repair and service. I am talking many thousands of pounds here. Was thinking of getting rid asap as soon as latest issues fixed, part exchange it in for something similar in price or not much more, sli...

What are your thoughts on the following for possible accounts ahead of potential IVA? Smile Current Account Norwich & Peterborough Gold Light Barclays Visa Debit Cashcard Account I will really need an account that I can use to set up standing orders online with "4-Weekly" payment frequencies. I know...

If you have a small amount in savings, would it make more sense to use that in order to repair your car, get it serviced, new tax, mot, insurance, then sell it and swap it for something similar in value or not much more expensive, but something that is definitely more reliable, and less expensive in...

I have read somewhere that all debtors should be included for an IVA when you are compiling your statement of accounts, however I have also read that a Student Loan shouldn't be and is paid separately outside of an IVA? If this is the case, I do not presently earn enough in salary to repay my studen...