i never understand why people shoud go for these cards.

In my iva i got a visa electron, less than 12 months after i have a visa card and a visa debit card and the beuty is not one of them costs me a penny

i was smoker before my iva, during my iva and still am. I smoke 20 a day, which is about £150 a month, i was suprised but during my iva i was allowed a smoking allowance of £20 a month, but yes the shortall, when you have to you find ways, and i also agree with non smokers why should smokers be allo...

stop been worried, if you are doing the right things, and when it happens either before or after christmas, i promise you it will feel like a million ton weight of your shoulders, life can only get better noe, i promise you

ready for this, they are 22 months old, i will search through my old e-mails to find out how to send an up to date photo

i only milked it for 2 days

yeah your right cath without a doubt.

But it was something i wanted to get my teeth in to, to stop people worrying like i did and help them out, since the iva forumn gave me so much help

the girls are brillant, anabelle as been in hospitail 7 times this year, but for last 3 months been ok.

They are either fighting or laughing together

ps i had the snip 2 days ago

I came out of my iva in January this year. with in 3 months i was given a credit card with a bank, today i have got a visa debit card. The point is that your credit limit is meant to be doomed for 6 years and its not. Life is their. I apologise for not been on here more often, but i was not back for...

Well 12 months after an IVA, so those wondering what life is like afterwards heres an idea - Remmber when your iva got accepted it like a big weight been lifted of shoulder, you get use to life in iva, well when you finish it you get the same feeling. Since coming out of my IVA, i have done the foll...

Way out of order some of these comments. I am a smoker, tried loads of time to give up, but miss it too much. When i was in my IVA i was allowed £20 a month and that was it. They often say if you give up smoking the amount of money you will save, i agree, but you dont save it you end up spending it ...

yes shes on tamiflu, luckily my twins wne to my parents on saturday and my parents have agreed to look after them till she recovers, so they dont risk getting it

My wife got swine flu, any one with any tips

i agree honesty is always best.

But melaine, if you got a windfall, and dint tell any one and opened a new bank account and didnt touch it, surely no one would ever find out?

after trying to sort my credit files out and speaking with banks etc, the industry sees no difference between iva and br

no one is miss sold an iva, you have a choice.

I did an iva, but looking back i should of gone BR for my situation, but i still say i was not missold an iva, i had a choice, and live by that