Yes I think you are right lisa. There were at least 4 creditors in the iva who In normal circumstances I would have claimed but I didnt think it was the moral thing to do considering I entered into an iva and had the debt written off so I was very surprised to receive a letter saying I was entitled ...

hi everyone You were all very kind and helpful when I turned to you whiles't going through my iva which was happily concluded last march with no problems. A few months ago i was contacted by mnba saying that they owed me ppi (I didn't contact them)so they sent me a cheque and said they were passing ...

I would say that entering an iva has taught me a lot. I have my last payment coming out of my account in april and then I am done ! As I have trained myself to live within a budget, I now plan to save my iva payments and treat myself to my 1st holiday in 5 years to somewhere HOT .

I have just searched my name on google and low and behold up it comes on this register. The fact that it gives my full address as well is very worrying. If you click on the button down the bottom of the website there is an option to remove the listing but when you do that it comes up 'we are redevel...

Just a quick update on my position and how relieved and happy I am. Had my house valued myself and it is below the equity value limit so my house is safe and I have been informed I only have 2 more payments and I am DONE ! Thank you everyone who listed to me and advised me and I must admit that now ...

Thank you for your advice. I am going to get a meeting with my ip next week as advised. I was supposed to get my house valued but I have been ill with depression and stress and didn't do it so I have now had a letter saying I am default even thought I have never missed a payment.To top it all off I ...

I am now in my final year of my iva so I had to get my house valued, I have been under a lot of stress lately and so my iva man valued my house and told me I had equity in it, He is now saying I have to find another £2500 per month for the next year on top of my monthly payment and I am suicidal at...

Thank you melanie
I am going to go bankrupt and have a meeting with my practioner but I appreciate your advice

hi I posted on here about a year ago and had some sound advice from several people including melanie so thank you. However things have now gone from bad to worse and I am once again at my wits end and my head is in such a muddle. I have been in an iva since april 2010 and have never missed a payment...

solely

lease is for another 17 years

hi melanie......about 30k....iva is for 55k and owe 14k rent on business

Not a lot was really achieved today as regards to the rent. He refused to give me 6 months rent free and told me that legally if I wanted out then it was up to me to find a new tenant which would be impossible. I asked for him to be patient and when I earned the money he could have it as my top prio...

one more question melanie if I may ask. You say that maybe I would be better off working from home selling on the internet. This I would be happy to do if the worst came to the worst but what I would like to know is how to keep my home out of this mess. Surely if I declared myself bankrupt my house ...

thank you Lesley and melanie. I have taken on board your suggestions melanie and have worked out a business plan so he can see what I intend to do. I am going to ask him for a rent free period for 6 months in order for me to clear the debt . My shop is on the south coast and in the high street at th...