I couldn't Jan - thats why i'm stuck with BT for the phone, Sky for the TV and Tesco for the Broadband!!!!!

I kept getting stuff through the mail from Virgin - the deal looked so much cheaper for phone / tv/ broadband. i gave them a ring and said that i was in an IVA - the lady i spoke to said that they would probably ask for a deposit of about £150 in that case - Post Office may do the same if you ask them

As i understand it, you can hand back the car once the half has been paid - providing the account is not in arrears - if it is you are liabile to pay the arrears as well as handing the car back. If a finance company repossesses your car when you have paid over a third and they do not have a court or...

Sorry another question, i'm 18 months into an IVA - how is the IVA affected if my partner moves in with me?

Thanks for your reply, i've read the terms and conditions and it says that they need a court order if i've paid over a third - but somebody recently told me that if i'm bankrupt they dont need a court order

Hi, can somebody tell me, if i'm made bankrupt and have a hire purchase agreement where i've paid over a third - can the finance company still repossess the car without a court order?

I have a corporate Visa card for work - this does not affect mt IVA at all, the card is in my companies name and they pay it once a month - all i have to provide are the receipts

It was an antique emerald and diamond ring in a rectangle setting (18ct) - the only place i'm going to find something the same is a pawnbrokers or antique fair / or even one of those police auctions

Hi All, I recently had my handbag stolen, it contained everything a girl carries in a handbag!!!- about £10 in cash and my late mums engagement ring that i had just got back from the jewellers, i was having the size altered. The insurance company paid me the £10 and are trying to replace the ring "l...

Hey Skippy - no offence taken

I do agree - honesty is definately the best policy, i decided against it as my partner is "financially comfortable", and i didnt want him to think i was with him for his money!!!

That depends on wether you have any shared debts / mortgage / joint tenancy agreement or just live together
I've been in my IVA for almost 12 months, my partner has no link to my debts and we do not live together and he has absolutely no idea i'm in an IVA

I'll keep on the IVA route here. The HP company should allow you to keep the car if its needed for work, your monthly instalment to the finance company will be included in your IVA, so in theory you should be able to maintain the MI and not default on the payments. But whether or not you need it for...

Is your mortgage the only secured debt?

I think this is pretty standard with a HP agreement, if you go BR - they will in 95% of cases just take the vehicle back, in an IVA they are likely to allow you to keep the vehicle on condition that you pay all your contractural instalments on time and they do have the right to repo if you default w...