Thank you all for your advice a few weeks back, it was nice to know you all took the time to reply and not just hear what I wanted too. Anyway I thought you would probably all like an update, you never know when the info may come in handy. I have spoken with my IVA practitioner regarding taking our ...

My husband and I have been in an IVA for about 3.5 years and last year our payments were reduced from £352 to £100 per month due to bad luck in employment - this was to avoid bankruptcy, which I really did I not want to have to do. We have our car on HP and have another 15 months left to pay off, un...