Hi Ang n P rs Thanks for info on think banking. Its paying any fee that bugs me now its my own money i'm spending!!! I run two basic accounts with Halifax one for bills and one for shopping which are free with internet banking too and I have been a very good girl for over two years and intend to car...

Hi Whats thinkbanking? I am 10 months post IVA and have had a Halifax basic account since 5 months before the IVA went through. We did'nt owe them any money and recently I tried to upgrade the account to a current one with a debit card, not visa electron but was declined even when I advised them I d...

Hi tres. I'm sure some of the experts will post later once they have finished their 'day' jobs but I can tell you what I did. My IVA was done through Grant Thornton and was a full and final settlement IVA. We remortgaged 85% to value and released £43500 equity which gave the creditors 39p in the £ a...

Hi m.b, you will find Welshboys company on www.allmortgageproducts.co.uk

As James has suggested I rang BT and advised them I was having nuisance calls and my number was changed within 24 hours. I went exdirectory no calls allowed, registered with tps and also had a phone which shows numbers, even now ifs it witheld or I don't recognise it I don't answer it. Give your new...

My husband is self employed and his van was on hp and excluded from the IVA because he needed it for work. We were also allowed to keep mobile phone contracts to the end of the contract and then expected to go to pay as you go. If you can operate your business with a basic bank account then you woul...

Hi Joe If you can afford to remortgage now and release some of the equity you could look at a lump sum IVA which is what I did, this would give your creditors a full and final settlement upfront and can be completed in 6 months. As Kezza has said check with a few companies, the ones that post on her...

My IVA was a full and final settlement one which meant my IVA was finalised within a year, however I am aware that this will show on my credit records for 6 years. We did'nt pay off our debt quicker Janet unless you paid 100% back we only paid a % of our debt and the rest was written off, therefore ...

Hi Adam If your date has been set, then advise your creditors to contact your IP. If your IVA has been approved (and I would be very suprised if yours is not as you are paying back most of your debt) then just tell them that you are now in an IVA and to undate their records, it does take a while for...

I Can't say to you don't be scared because I did'nt sleep or eat for days before my creditors meeting. I did'nt pay anything bar the odd £5.00 token payment for 5 months before my IVA and the same as you interest and non payment fees stacked up. Your IP will have submitted the best possible offer to...

I work full time but my husband is self employed sole trader and we had an IVA.
I don't know about part time.
You really need to speak to one of the companies that help on this site to find out if you are insolvent first and go from there

If your outgoings are more than income then you are basically insolvent. I would contact your local Citizens Advice Debt Management, rather than CCCS as they tend to recommend debt management programmes which do not protect you legally from your creditors or freeze interest. If you are insolvent and...

Hi Mark
The Halifax do a basic account with a visa electron card which is what I have, I believe the Co-op do a similar account with a solo card. You definately need to have an account with a bank that has no relationship to any of your creditors. So Nat West is a no no

Hi Melanie Yes they did fly over as I do live in England. I took that info from the list of expenses on my final statement to creditors, did'nt realise it meant it was Northern Ireland. It maybe to typing error if they are used to registering things with DETI, I will check with them. On my chairmans...

Hi Kerri I don't know if this will help, but this is taken from my final statement of my completed IVA. Ours was full and final settlement IVA. Staff Charge Out Rates per hour Partner £345.00 Manager 1 £275.00 Manager 2 £205.00 Senior £121.00 Admin staff £63.00 My Supervisor fees were £2000.00, my n...