Hi all My car insurance is due for renewal and I compared prices, applied for insurance and have been told that I cant pay by monthly direct debit and have to pay in full. I take it this is because of the IVA never entered my head that car insurance would be refused. Any ideas as I can afford to pay...

Hello all again I am 8 months into my IVa and am just about getting used to the budget - didnt help with christmas, but am nearly there. I was wondering if it is ok to have a savings account to put the money allocated for car servicing, dental & opticians, dog injections etc so that the money is the...

Good luck Steve ill keep my fingers crossed for you. Having a large glass of wine to celebrate to news. Thank you all for your words of wisdom and support. Its fab knowing there is somewhere to chat about this and no one will judge you. Have been slowly getting used to the budget but will get there ...

Hello all and thank you for your support

Its been approved and first payment due on 20th July

Big sigh of relief

thank you all again on here for all your help

much appreciated

Jo

Thank you all - I will let you know how I get on

Fingers and toes crossed

Jo

Hi all THe creditors meeting is today - not sure what time, was told to be avalible all day incase they needed to contact me. Two of the largest and 1 small creditors have asked for amendments to the charging structure etc not what I am paying - will I found out today if the IVA has been approved. O...

Thank you Lesley and Robbie. It is a minefield and hopefully I will get the hang of it. Fingers and toes crossed that I have filled the forms out right and sent with the right stuff thanks again everyone.

Good to know not alone and other people happy to spur you on and help keep chin up xxx

Thank you for answering for got to ask - c-op also opened a savings account is that ok to keep too. The monies that the IVA company have aloocated for petrol, dentists, animal food, repairs etc can that be placed into the savings account as Im not going to be at the dentist or the hairdressers every...

Hello thank you to all on here that stopped me worrying about completing all the forms. I managed to get all the documentation and completed the last of the forms today details the why's about the debts. It has gone in the post so should hopefully be with the company no later than next week. Big rel...

Thank Melanie for your reply. I will complete the form over the weekend and get it sent back to the company.

Hello the budget amounts are increased in line with RPI which this year is 2.6% from April

Hello luluj thanks for your message - do feel bit happier now. I have gone with Stepchange and have already done what you suggested about speaking to differnt firms. Stepchange made me feel happy about making sure I had enough money for all outgoing and even put outgoing on the form that I had not e...

Hello I have recevied today the forms from the IVA company and am a little overwhelemed to be honest. The form that is worrying me the most is where I have to complete how, why, what, where I got the debt. The simple version is my partner (no longer together) lost his job and basically i supported h...