currently in a iva agreement and now find we cant keep up car payments with the now defunct yes car credit.we are in a contract but how do we get out of this without having to pay 7000pounds that they insist we pay.is our only choice bankruptcy/

Hi Melanie,

I'm now in an IVA. Just finished our first year. I have been offered a job overseas (in my country of origin). We are still committed to paying our monthly payment for our IVA. Do you think this will be a problem for us to go? the job is really important to me.

I'm currently in an IVA and have paid off my first year. Because of personal reasons, I feel that it's better for me to return to my country of origin. Obviously I'd make arrange to pay for my IVA even though I'm overseas. However, in the event if I have to file for bankruptcy in the UK, does anyone...

if i recieve a gift of money from my family in Australia and it is credited into my bank account do i have to pay some to iva handler im currently suppossed to give them 50% of windfalls

We don't qualify for tax credits because we are not UK citizens... we have to apply for indefinite leave to remain before we are able to receive any tax credits.

My husband and I are 3-4 months into our IVA. We're expecting our first child in March and there will be a reduced payment during the months I will be on maternity leave. However, we did not budget for childminding and do not qualify for child tax credits etc. In Sept 2007 my salary will increase by...

Our IVA was approved since November yet MBNA is still sending us letters about our debt. Are they really that ignorant or just plain stupid?

We went with Thomas CHarles and Accuma. Pretty good and helpful too!