Thanks for the advice. I'm sure they'd accept Melanie's figure of £17000. The IP said I should propose an actual offer and they would then do their calcs and tell me whether it was enough to put forward. I suppose it comes down to HSBC in the end, the IP will obviously want fees for this 1st year an...

Hi all, been in my IVA for 6 months. I'm managing to make monthly payments but without anything left over (yes, i know thats idea!) but i'm feeling completely trapped by it. I'm 34, single and living with parent, under the IVA i've not really had a life, I just work, sleep and garden when the suns s...

Thanks for the information and advice once again. No i don't think your being funny 'beans on toast', just helpful :) I can tell from the replies that my views as with all IVA issues, that it comes down to individuals/couples and their own IVAs. I had a low income and a 'relatively' low debt when be...

Sure this must have been asked before but couldn't find anything. I'm 6 months into an IVA, have got over the unpleasant 'i'm not going to have any money for 5 years' phase and am now making it work for me. Anyway, my employer like many others pays overtime at time and a half. There's as much overti...

I've have a IVA and was wondering if I can get a Career Development Loan. I am aware that i'm unable to get any credit/borrowing during my IVA but am unsure if a CDL falls into this category. Grateful for any advice.



Politeness is the lubricant of life

Thanks Andy, will do.
Will let everyone know the response when I get it.


Politeness is the lubricant of life

Hi all, my first post :) Been through the initial stages of an IVA with Thomas Charles (so far so good). I'm in a situation where I can go down the IVA or bankruptcy route, going to decide which route this weekend. I think I would prefer to go down the IVA route but the decision will probably be bas...