Thanks everyone, this is really helpful

My payments are dropping from 165 to 101 per month which adds up to quite a lot in the long run and is why the woman at aperture thought they might make me extend. When I had an I/e review last month they asked me if I wanted to continue making payments (at the new lower rate) while the variation is...

Thanks for the responses :) I don't own my own home, I rent from housing association,so there's no issue there and I've only got a little run around so that's no problem. When I met with the woman from Aperture, she told me that bankruptcy would make me pay higher payments because their expenditure ...

I'm in the process of setting up an IVA and have come across another hurdle. HMRC have stopped my child tax credit for the year because they have overpaid me. I've forwarded my letter to Grant Thornton to advise them and they've basically said without my tax credits my payment would reduce to £83 p...

Thanks for the advice Foggy, I'll see if I can find someone useful to contact
No he's not bringing any pets with him Radish, maybe we could get one Haha.

That's what I'm worried about, the fees if I pulled out now. I really want to be able to plan ahead and start looking to the future, but the way they just dismissed me when I tried asking for advice is quite disheartening, at the end of the day I could have pushed for bankruptcy but I'm making an ef...

Thanks

Yes, I'm with grant thornton. I signed my proposal at the end of April and even had email conversation with someone on the next steps, she told me a creditor meeting should be set up by mid may, then they'd have 2 weeks to decide etc...I still hadn't heard anything this week and after 2 ignored emai...

Hi Thanks for your advice. At the moment, I have the higher income, we have agreed between us an amount he would contribute to living with me which they could take off me (I'm sure they would), but my debts have absolutely nothing to do with him so I think it's unfair that they take his income in to...

Hi I'm in the process of setting up an IVA, and my boyfriend and I are planning on moving in together. What will this mean for my IVA? Will they try and take some of his income too? I have tried asking the company I am using to set it up and their response was "If you have any changes to your circum...