Would a windfall clause apply to any money the children inherited during the IVA?
Or a win on their premium bonds?
Thanks
Helen

Scary isn't it when in black and white? I wonder how on earth it got to this, and feel ashamed.
Helen

We have the usual stuff, mix of loans and cards.
Helen

We are looking at about 45p
Helen

Hi Lily I agree about the choice aspect...one thing choosing to rent, another being forced out of a home you may have lived in and loved for many years. We have moved around quite a bit (5 houses in the last 12 years) which has been partly responsible for our high level of debt. No matter where we h...

hi ggr I will let you know how we get on. It is a testing time, his nibs and I are pretty stressed about the whole thing (well actually not true,I am the one who is pretty stressed, he is staying calm-as usual, and helping me to not get too manic!) We are in such a mess, but know we are now doing th...

Good luck for tomorrow Rexy, fingers crossed!
Helen

Hi g.g.r Our Ip has been great, but has made it clear that although we will be offering a reasonable return on our debt. If the IVA doesn't succeed (because as a family of five we can only compromise by so much for the IVA to realistically work for us over the five year period, which could be six du...

Nat
Talk to Melanie.
She will be direct and non-judgemental, and has heaps of experience.
I would recommend her to you.
Helen

Thanks guys, brilliant info and advice as always. We bank with Lloyds TSB at the moment Thanks, Helen Melanie: p.s. I know I can ask you all these questions Melanie, but I seem to have so many questions that if I post them on the forum you can answer them if you get chance, and don't feel like I am ...

Hi, me again! If the IVA proposal fails, and we end up down the bankruptcy route....[:(] 1.Do we keep a basic bank account, with a debit card/ cheque book(but no overdraft facility), from which we can still set up monthly direct debits to pay all our bills? Will the account be scrutinised to check o...

I'm glad you asked that question. We have always wanted to foster children when our own are a little bit older. I am a teacher of children with special needs, and know there are a lot of families out there who desperately need short term fostering. I think the maximum you are allowed to work is 16 h...

Oh, and my youngest daughter's school shoes have fallen apart with three weeks of term left, so sent her in sandals, with a mucky look from her teacher. I explained I wasn't about to shell out £30 for a new pair of school shoes for the sake of three weeks, when, knowing how fast her feet grow, she'd...

Not only have I just spent £30 on hayfever stuff on prescription,[:0] put a hole in my favourite work trousers[:0] and discovered the guttering directly over the front doot leaks in heavy rain(yes, I got wet!)[:0]; but my 10 year old trusty washing machine has finally given up on me![:0] (It is on t...

That is such a relief Melanie, I shall check e-mails.
Thank you.
Helen