Not posted for a long time ! My Iva is almost finished I think 2 more payments , I’m panicking as my partner is terminally ill and it could be weeks , he has a small insurance plan and a small amount of pension which will cover the funeral and keep me and my son going for a few months , will this co...

Thank you , it just happens to be the nearest bank he can go to to put money in so will chance it

I have an Iva and Barclays are one of the creditors , will they let me open an account for my 12 year old ?

Hi everyone I finally received my draft proposal for iva from step change today. They seem keeping the time schedule they said how long it would have take so far which I am very happy. The proposal is £122 per month which is 15.14 p for £. My creditors are barclays card, creation, vanquis, aqua , m...

I am with step change also, have only just posted my proposal so early days. When you have your review how many payslips do you need to send? Or do you send your p60. Although from now on think I will keep all paperwork through the year! i had to send last 3 months payslip and p60 and last bank sta...

Should say a big poster 2 years ago ! Going into year 3 now

Hi I was a big poster this time 3 years ago and received a lot of help and advice :) so it's almost 3 years now and I can't fault Steps change . I sent off review paperwork last Thursday and just received outcome . Payment stays the same at £85 (first year was £100) and they have adjusted figures we...

Hi all :) well it's a year this month since my creditors meeting and iva approved !! It's all gone well , StepChange have been great , any queries answered swiftly , already had review , no problems, payment gone down to accommodate increase in utilities so I'm really pleased :) this forum was so he...

Congratulations such a sense of relief ! My first month neArly up and stayed in budget can't say it will be easy but tbh I feel better off than drowning in debt ! Enjoy your wine

Hi :) not worth stressing over ! They can't do anything at all , my IVA was accepted last month and whlst most creditors have acknowledged the IVa barclays ( as usual !) keep sending letters and phoning me ! Told 3 different people about Iva so far and still they send letters ! Start of obnoxious th...

Hope all goes well , made my first payment today !!! Let's hope the ride ahead isn't to bumpy !

Good luck :) I'm sure it will be fine ! Had mine 10 days ago and was so worried it would be rejected as a low return for creditors ! IP phoned day before to say all votes in and agreed ! Barclays wanted a modification of extra 12 months but got that down to 6 ! Hopefully you will soon have the same ...

Congratulations you have helped so many people including myself over the last 2 months , truly dedicated

A fantastic outcome ! Really pleased your awful plight has a happy ending time to relax and put it all behind you both , reading your posts I can't imagine how stress ful this has been , good luck for the future x

Fantastic well done , enjoy your debt freedom