Hi Andy - thanks for your quick reply. I am so worried that if I put down on the form how it really is that they will force br which is something that is not an option for me. I can certainly back my outgoings up if challenged (my rent after moving increased by £280 for example). susan

Hi, Part of gettting all the information ready to send to my IP also includes another income and expenditure. on doing this this evening I realise that my outgoings are more now due to moving recently and having a higher rent to pay. I have minimised everything i possibly can but I am still short of...

My sister has very kindly offered to lend me the money, however when I told her that the IP will conduct a check on her (appparently due to money laundering), she was not very happy. Is it true that they do this check on people who offer to lend money?

Thanks to you both. Your advice has helped me to see things a bit more clearly and to have a bit of hope that the creditors MAY look at my situation sympathetically. Im glad iv found this site and its nice to know that there are other people in the same situation as me with an IVA and its somewhere ...

hi-paid to date around £4800 and i believe the creditors dividend is 25p in the pound. what fees are there likely to be as my supervisor never mentioned those? i even wondered whether it would be worth contacting the creditors direct - im really not sure what i should do. It is a very stressful time...

four creditors - i have spoke with the supervisor and they say to get a letter from my consultant and get the evidence together to put to them?

Can anyone advise me on what would be a reasonable offer to end my IVA. I have debt of 15K and have had my IVA for two years now. My circumstances have changed in that I have been diagnosed with a serious medical condition which is stable at the moment but could change; when you have something like ...

this is my first time on this site and after looking throught found it to be very helpfull. i have around 15k of debt and have been paying now for 2 years - my sister has offered to lend me some money but can only afford 2k. I would like to make an offer of this as a f&f - what do you think? what ha...