Hi - I came home on Friday to exactly the same letter from First Direct - I was half expecting it but considering the IVA has been running since September am surprised it has taken this long! Luckily I have had the forsight to make alternative arrangements in case this day came so luckily we have a ...

It is amazing when you put your minds to it what you can do to save money and raise additional funds! When we were moving we had numerous car boot sales and knowing that we would have to pay 6 months rent up front and outlay money for other moving expenditure we managed to raise nearly £600! We felt...

I too had a letter from natwest re this same thinga t the weekend. Despite numerous calls to them, faxing of chairman reports and giving of solvency numbers, they sent me this letter informing me of legal action! I spoke with them on saturday and ascertained that although my husband had been transfe...

Thanks - I will put it in writing and keep my fingers crossed! That money in it's entirity would pay for all of the extra things we have had to buy since moving, paying the final bills etc etc - deposit for a new BT phone line as we did not pass the credit check etc etc - we could certainly do with ...

We used Debt Free Direct - nothing but plain helpfulness and honesty! Certainly would recommend them!

I was due my annual pay rise and performance bonus in July this year. Due to the department and union not reaching agreement this is only just being paid now at the end of November (hopefully)! Had it been paid on time I would be £790 performance bonus better off and my monthly increase as my IVA wa...

I have just registered onto the petition! Where's my gold start then???

Telling our family was the hardest thing we had to do - but having done so, had an IVA approved and now moved from owning to rented accomodation all because of our own fault you become aware and grateful for your closest family and friends - they are truly suportive and would not want to see anyone ...

My IP suggested that up to £800 was allowable for rent once the sale of our house was completed. I am more than happy to declare the "balance" of rent and if necessary pay it to my creditos- just confused as another post a few weeks ago directed me to think that I would be allowed to retain whatever...

Our rent is less than we have been allowed on our I&E by £150 a month - do I have to inform IP or because this has been allocated in our montly allowance can we retain and off set it against some of the other essentials that our I&E has underestimated on eg electricity and council tax,petrol ?

Look at the insolvency register website - it is a government one and we were listed on there about 10 days after our IVA was approved

IVA was approved on the 18th September - all creditors have received or accepted verbal confirmation of IVA insolvency number apart from Barlcay card who have persisted in ringing me over the weekend - I have explained on both occasions,sent copies of my chairmans report, directed them to my IP but ...

From my I&E I have allowed myself £65 per week for food / drink etc - whatever I do not spend in Asda on a Saturday I have put onto a savings card so that I can then use this at Christmas of when friends come to stay - so far I have £40 on it ! Also I have started to shop at the market for my fruit ...

Don't feel down and miserable! I too felt the same way and could think of nothing else other than the mess I was in - that was until my IP started to ring me daily and speak to me to make sure I was ok! I had a very friendly IP who supported my husband and I right the way through. Being debt is not ...

Smile Account - part of the Co-Op - opened it online and you get a Visa Debit card withit, also available is a savings account again online with a cash card for a Link machine withdrawal.

Halifax Easy Cash - Visa Electron card