Ah that's great thank you Michael!

Hiya yeah I'm def not planning to go into any sort of plan with £1400 il just clear that with my wage but my question is basically with they want to take my income into consideration for my husbands iva or will they just do it on his? Thank you

Hi Michael thanks for reply however if you read posts from beginning you will see our debt, I meant mine is only £1400, total debt is around £15000 (left from last iva when it failed after paying 44p in £)

Hi everyone Just wondered if you could offer any answers to the following question. My new iva company berry cooper rang me Friday and said the new proposal was being drafted and they needed me to answer a few questions as I was at work they agreed to call me Monday one of the questions being do I w...

Hi Melanie I rang the new iva provider today and they are saying the new proposal is being drafted and will be ready to come out to me by the end of the week. The said last week on the phone that they were getting my payment down to about £200 per month which for me will be amazing, a lot less than ...

Thank you Lesley, seems a debt relief order is no good for us [:(] thank you anyway. Tzekin believe me GT had no intention of keeping us happy this side they were all about the creditors, spoke in complete jargon the whole way through, i never understood anything about the iva as they weren't intere...

Thank you Foggy! I haven't heard anything from the new iva for about a week now in hoping that ok the next couple of days I hear about a new proposal. Just wondering does anybody know anything about DROs and do you think I would qualify having paid back 44p in £? Also is it true that you need to hav...

Hiya thank you for the replies, I suppose we will just see what this new iva uncovers and what the proposed payments are before we decide anything, it's crazy GT didn't seem like they wanted anything to do with it, in fact I feel they wanted it to fail as we could afford more than £300 per month but...

Thank you Foggy It wasn't the new iva ppl that told us that it was something I read, I was under the impression your bank is taken over, you are given an amount to live on then all surplus income is taken. Although I haven't really looked at bankruptcy in detail just because I don't want to lose my ...

Hi THe Major Thank you for your response, I work for provident personal credit, when I started working for them I had to show them my bank statements so they could see my IVA being paid every month as a condition I got the job. I also have loan with provident and the new IP have put in new iva propo...

Hi Foggy thanks for your response. Bankruptcy isn't an option for us as I work for a company where they cannot employ ppl that have gone bankrupt. Also I feel that as we are almost there we may as well continue and pay our debts the right way as otherwise the last 6 years stress would have been for ...

I would really appreciate some advice, we entered into an iva in March 2008 which was eventually taken over by Grant Thornton. debts were the following: Egg (which is now showing as Barclaycard Masterloan) £4203, HSBC joint account £2613.68. HSBC loan £11,473.56. HSBC credit card £5042.09 and ma...