Hi Ren, I work for an accountancy firm and each year we are required to fill out an annual declaration which includes a question about whether you have a formal arrangement with creditors (or have had in the last 5 yrs). The first time I saw it I panicked and wondered if I was putting my job on the ...

Hi Poppy1. I recently found myself in a similar position where I was unable to make a full payment due to unforseen circumstances and my IP agreed I could pay what I could afford to this month and top future payments up by £5 or £10 to make up the shortfall. They were really helpful. I would definit...

Hi, mu brother-in-law had laser surgery on his eyes and he was in agony for the 1st 24 hours or so but after that he recovered very quickly and he doesn't regret it at all. I on the other hand am not brave or rich enough for such luxuries and last week I dropped my hard contact lens on the floor and...

Totally agree James, my washing machine went up the spout before Christmas and couldn't afford even the cheapest replacement 'cos the little contingency I had put aside had been swallowed by rising costs in mortgage interest and petrol costs! I was lucky enough to have a mum who offered to buy it fo...

Sorry - replied to wrong posting!! just in case you think I am going mad! Anyway, welcome to the forum Em! This forum has been my godsend as none of my friends or family know I am in IVA so its the only place I can turn to for advice or general chat. Best of luck.

Kitkat44444

Totally agree James, my washing machine went up the spout before Christmas and couldn't afford even the cheapest replacement 'cos the little contingency I had put aside had been swallowed by rising costs in mortgage interest and petrol costs! I was lucky enough to have a mum who offered to buy it fo...

Hi Vicky and welcome to the forum. I am not qualified to answer your question but sure someone will be able to very soon. I sympathise as I too hate my job but can't afford to change... not for another 3 yrs and 10 months!! Hope you get the answers you need and life improves for you.

Kitkat44444

Hi, just thought I would give an update on the mobile phone situation. When I phoned O2 to cancel the contract and enquire about pay as you go they did as I expected and spent ages trying to talk me out of it or sell me another contract... couln't understand me when I said I didn't have the money to...

Hi everyone I am cancelling my O2 contract which is currently £20 per month to go to pay as you go. Does anyone know of any good deals on pay as you go. I am looking to keep my phone and I have just got some free sim cards but they are £10 per month top ups. I was only looking to top up £5 per month...

Hi Sully, being a curvier figure myself I find it impossible to buy affordable clothes (I am only talking about 1 or 2 items per year!!). I have had some real bargains on Ebay so it could be worth looking on there for suits.

Best wishes

Kitkat44444

Just thought I would give an update on the washing machine problem. I have found a machine and have first refusal on it for £50 and sold my old broken machine for £30 spares/repair. So my new machine is only costing me £20. Thanks for all the good advice as always. Katx

Kitkat44444

Thanks Andy and Melanie. I have been allowed to miss 2 IVA payments already when my husband was redundant and our terms only allow for 2 to be missed in the term of the IVA. Our original budget did not allow for a contingency amount each month and we tried to add one into our budget for our annual r...

Hi, my husband was made redundant at the end of last year and we told our IP straight away because we had the same concerns you had re the redundancy package being taken into IVA. We were assured by our IP that the redundancy package was ours to live on until my husband got another job. Of course ha...

Hi, my washing machine has broken down beyond repair and we cannot afford to buy a new one outright and as I am in an IVA am not allowed/nor would want to get one on credit so would I be allowed to rent one? What are my chances of being accepted as I am already a year into my IVA? Any feedback will ...

Thanks Andy and Melanie as always for your responses. Will be getting rid of the car and using public transport to get to work. Plan to use part of extra money per month to put to one side towards maintainance and increased petrol costs for my husbands car and the rest for monthly bus travel cards. ...