Can I set up a joint DMP with my wife and I debts together.

David - The vehicle is worth just £950 and yes you are right I could just make the last 3 payments no problem - but over a year ago I agreed verbally with them that I would be an extra £69 on top of my HP payment to clear some arrears and late payment charges which had occured previously.This amount...

I recently put a full and final settlement into Park Motor Finance as my HP agreement is coming to a end on 15/02/09 and I wish with the support of payplan to pay them a reduced amount of about 60% of the debt. I have still not received any confirmation either way as to if they would accept it,could...

I am due to finish the agreement in feb 2009 and pay £287.40 per month.I have 3 payments left - 15/12 , 15/01 , 15/02 - I have offered them the 3 payments plus a small amount for the £181 late payment charge for settlement within 7 days.

I have a HP agreement with Park Motor finance which is due to end on 15/02/09 where the payments I am making to that agreement will go to the IVA from 15/03. However I have recently had my first ever annual statement from them which showed that I owe £900 more than I was aware of.I knew about some l...

Could anyone advise - can other debts be added to an IVA after it is set up and been running for a year or so. I had historical bills to pay which were not added to the iva as i wanted to keep them separate but included in mi I & E report to the IP. However i am struggling to pay the amount agreed w...

I have tried very hard over the past 3 years to manage my budget as best I can and not had the wage increases to go with it.Also we as a family have had to clear our council tax bills from 05/06 and 06/07 along side the current one.Plus I got into HP arrears with my car so that payment gone up along...

thank you all - I am just coming into my third year but it has already been extened by 6 months.

I am currently in a payplan IVA and finding that it is not working for me.I am struggling with my payments and find myself again slipping back into depression.I wanted this to be the answer to my prays but being married with 2 young children and with my bills going up all the time there appears to b...

Thank you both - I am starting my third year now - and I will ask payplan how they feel these payments can be substained when all i along i have been honest about our income and outgoings

I have just had my last review and even though my outgoings have increased with regards to fuel costs(living in a rural area) and oil costs etc they are insisting I stick to the payments agreed under my variation order last year. My company is payplan - I am struggling to make the payments of £265 p...

Can a couple of old debts be added to the iva even after it has been set up and has been going for sometime

Thank you Andy kind regards paul

Further to my concerns - has anybody got any advice for me thanks

We are just about to send off our end of year review having completed our second year.My wifes IVA is all up to date and she is currently paying £143.65 per month but as mentioned to you before I have missed several payments for various reasons , mainly I did not have the money to make my monthly pa...