Have you looked at how much you would have to pay her through the CSA? It may turn out to be less than you give her now. There is,Im sure, a helpline for advice you could phone to get a rough figure.

Thanks Melanie. Have been worrying about it. Thought they might think we were being dishonest or similair.

We are all only human. At the time i was 6 months pregnant and couldnt think straight at the best of times. Had a lot going on in personal life and simply made a mistake. Thats how.
Am better organised now, so that I wont make the same mistake again.

Just a quickie on this. We realised a few months after our IVA started that we had left 3 creditors out. A catalogue, a little loan of £23 a month and a student learning thingy. Will this look bad if and when we apply for BR? It wasn't done deliberately of with dodgy intentions, just simply forgot.

Would be easier to rent privately but theres not much around here for private renting. And what there is doesnt fit with waht we need.
Getting a headache again,lol.

Thanks Chris. Thsi is how we've been feeling. Its not worth it. I know we're mostly brought up with the ideas that you need to own a house etc. But at least we can say we've tried. To be honest we've had that many personal problems and now my health problem, in the last 12 months. just annoys me som...

Hi thanks. We have already started looking at rented properties and Im going to contact some estate agents. If you could provide a garuantor would they still want 6 months rent in advance? if we dont need the 6 months rent then we'll hopefully be moving in the next few months. We'll only be one mont...

Does seem a bit strange.
Thanks hugely.

And discharge is usually 12 months?
So if I go back to work in month 11 they will give us an IPA if we didnt have one or increase the one we already had? And if I went back to work in month 13 they wouldnt?

Oh one other quaetion that has been worrying me. Im off work and doesnt look like I'll be back for at least 12 months. If we go bankrupt and they set an IPA and then I go back to work what happens? Once you are dischartged can your IPA be changed? My job is open for me when I eventually get back to ...

Thanks again. Theres about £1000 in savings for her. We are obviously looking carefully at what to do when etc. One other question is that at the moment my insurance is paying the mortgage and secured loan with me being off work. If I stopped paying the mortgage and secured loan an used the payments...

Hi thanks for replying. My insurances will stop paying in September. It is most unlikely that I will be back at work until at the earliest next Feb. Monthly payment for IVA should be £420 per month. House is worth approx £135,000, mortgage of £104,000 but also a secured loan of £50,000. What would h...

Hi all. Just a few queries about BR. I am currently off work on the sick. my insurances are paying for the mortgage and secured loan, however the loan cover pays a set amount which is £400 more than my loan payment. Will this be classed as income? We are in a suspended IVA (due to me being off work ...

We are currently 7 months into an IVA with a mortgage and a secured loan. My mortgage deal ends in March and I already know that we wont be able to afford the payment with the increase in interest rates. Also our secured loan payment is becoming ridiculous. Would it be possible whilst in our IVA to ...