<t>Hi - I am in year 5 of my IVA and am at the point where I have to try to remortgage. Without coming across as totally clueless, what steps do I take to do this? Do I approach my current mortgage provider, I have a joint mortgage with partner but IVA in my name only so not sure how this would work...

Hi all – I joined here a couple of years ago and found all the advice invaluable when I was starting my IVA. I’ve now been in the IVA almost 2 years, paying approx. £230 per month and although it has been tough, I was getting there. I’ve now been made redundant and will leave my current job at the e...

Hi - I'm just over 12 months into my IVA, getting there slowly but surely (this forum was invaluable when I was going through that process) Before I entered into the IVA I fell prey to a fraud (holiday booking, non existent property). It wasn't the best of times but I've since filed it away on the '...

Thank you all for your kind words. Have picked up some good tips on here which has really helped me sort my finances out. Its not always easy but once you cut down on all the waste and if you stop and think about what you need vs what you want it can make a big difference. You appreciate things more...

Wanted to pop back on with a quick update. IVA approved earlier this week[:D][:D]. I joined forum a couple of months ago when I reached a real low point and thanks to all advice picked up here the whole IVA process has been straight forward, mostly because I had a pretty good idea what to expect. Ha...

Congratulations, must be a relief. Looks like I am just behind you in the journey, fingers crossed it all works out for you.

Hi Ben10. I read your post last night and whilst not agreeing with how or what you said, between the anger I could see that you were going through the very feelings I went through just 6 weeks or so ago. Through advice on this forum I found the answer to every question that was keeping me awake at n...

I just wanted to post for a couple of reasons. First, to thank everyone for taking the time to reply to my post a few weeks ago when I hit rock bottom. All your advice and that found on the forum was invaluable to me during what I now call ‘that weekend’. During ‘that weekend’ reality hit home big s...

Thank you all, I feel so much more positive today, it really helps talking about it and knowing that you are not the only one going through this. All very good advice and I will definitely speak to others as so many have advised this. After reading several threads on the forum, I honestly think of t...

Thanks Foggy and I will take your advice on board. I'm keen to pay as much back as possible but at the same time need to make sure it is realistic otherwise will still struggle. Not talking about luxuries just general family expenditure and enough to put by for emergencies.

Thank you all so much for taking the time to reply. and pennyless I will have a read of your thread when I get a chance (just seen how many pages!). It's good to share and learn from people who are in/have been in the same situation. I have a call with Stepchange next week so should have a clearer p...

Thanks nutkins, I think maximum £350 per month with careful budgeting that should leave enough to be able to put some aside for emergencies, although that would mean totally cutting out all non-essential spending, like kids activities, birthday treats and I can't bear to think about christmas. To be...

Deep breath, here goes, not sure where to start. My finances are up the creek and after trying everything possible to sort things out I have now come to the conclusion that I can't do it alone. I spent most of last weekend reading this forum and thank you all for your posts which have been invaluabl...