I know it's amazing I never even thought they would consider the inheritance as a F&F and tbh it was credit fixes idea which really surprised me.

That's great news Amy well done mine was accepted too

Gotta say a big thank you to you guys aswell for helping me in the beginning

Well I have some great news to announce my creditors had a meeting yesterday to see if they would accept my late grandmothers inheritance as a F&F and I'm happy to say I got the good news this morning from credit fix to say they had accepted to say I'm happy is an understatement I know I can't get c...

Holidays we're quite lucky as my in laws have a timeshare in tenerife they said we could use so just a case of finding cheap last minute flights and thank you for all your support

They are letters stating I've defaulted over 2 months I have been informing my IP of these to be told not to worry as it takes time for info to pass down to them as iva was only started on August 17th

I'm still getting letters from creditors too but filing these in the big black abyss

Now 2 months in (I know it's early) but life is so much better for us as a family we actually have a few quid spare each month and even managed to take the children to the cinema which we haven't done in 4+ yrs and not having to worry about where the next card payment will come from is such a relief...

She refuses to do that as the debt was mine and has told me off for it and it is my issue to deal with which I suppose is fair enough otherwise I'd never learn.

I shall write something up then and get my solicitor to put his paw print on it saying she owns but I'm registered keeper

Oh there's no chance of us falling out we've just been through a 16 month legal battle with the wicked step mother after she took everything from my father's estate.

Cheers kallis you've been a great body of knowledge to me so far

Mine has remortgage, extension or 3rd party sum so assuming that could mean secured loan.

OK bit of a strange 1 but I noticed my car wasn't classed as an asset as it's needed for work but my mum has generously offered to buy me a new 1 as the other is about dead and only worth couple of hundred but she's looking at getting me a 3yr old audi as I've not had a great couple of yrs (father n...

Cheers Lisa that would save me then having to owe my mum money too.