Hi
i would agree do your research and make sure it is right for you. Make sure you are willing to accept a different way of life. Learning how to budget and find bargains to make your money go further.

Good luck. You can find like I did that it can be the best thing to happen and break free

Well done too. We should all be proud of ourselves!

Done

I have gambled in the past so understand your position. As advised it would be best to stop gambling as you may need to explain how you ended up where you are. Also seek help. This will show them you are committed to changing.

Good luck and hope you get sorted soon.

Congratulations. I remember the feeling of relief. You will learn a lot during the IVA and will be amazed at the feeling you have when you finished. If it helps I learnt how to coupon and use cashback apps for shopping to make money go further. You will be amazed at how you can learn to live differe...

Hi I was with Payplan and made my final payment in July 2017. Received my certificate in September and discharged from my IVA in October at court.

Good luck in getting your certificate

Hi I am in housing association and have just made last payment. It has not caused me any problems with them and in fact I did not tell them as I was already living in the property. I would suggest you speak with another company to see what they say. I went with Payplan and I know not everyone likes ...

Hi all Paid my last payment this month and what a relief it is finished and I paid backed more than what was agreed at the start. Just finishing of last final bits yippee! To everyone who is just starting their IVA or still feels they have a long way to go, good luck and stick with it. The feeling a...

Good luck and well done for taking the first step to a debt free future. This site is great and it's good to know we are not alone and there is always advice and support available

Thank you. It definitely is a turnaround. Payplan said the tax was already paid so all should hopefully be settle. Thanks for your help and advice though it has been very helpful merry Xmas

Good advice to check with your IP. I was lucky this week to be getting £1500 back from ppi so you may end up with more

Good luck

Hi some good news this week. Previously Payplan said I was capped at £100 but this week they are giving me back £1500 from ppi refunds. Don't give up hope on ppi we are entitle to the interest back if nothing else and you just never know how much it will be. A complete shock for me

Hi Michael Thank you very much for the advice. That has helped. I will speak to Payplan about the tax on PPI interest as they have not mentioned that to me. As for the ebay idea definately something to think about then if the monthly payments would only go up after the tax return and be realistic an...

Hi All Hoping someone can offer advice as I am confused. 1)I have PPI claims going through and Papylan have said that whilst I get ssoem of the stautory interest I am not entitleed to it all and only up to a maximum of £100. Is this correct? 2) I am thinking of stating a part time ebay business. St...