Hello. I may not be able to help but I just wondered if you had visited your GP. He /she may be able to prescribe something to improve your mood/ help you sleep/ be less reliant on alcohol which as you will know is a depressant.Be very honest and let GP know exactly what you are feeling...no matter ...

Hello It just feels so intrusive.I feel totally 'ashamed' of this situation, anxious and panicky all the time. reading the forum is so useful as even though my husband also entered into an iva at the same time he will not really discuss and seems to understand even less than me about the process.I n...

Morning.Yes the 100pence is a joint amount thing between me and my husband.The IVA was initially refused as 100 pence was not offered.Clearstart negotiated this increased amount. Hope your cold gets better soon Melanie. Can anyone advise when the insomnia starts to go though??? Cat 1

Hi Rachellxx39.Yes I thought this too, but something said about the interest and 'things'. Anyway...mine is 85p and my husbands is 15p -hence the 100p for the creditors total.I too have had my worries and posted them here.Each minute I come up with a different problem,and nothing seems safe as yet.C...

Hello. I've just read the article on the insolvancy register and didn't realise just how easy it is for Joe Public to access this information.I'm not on it yet.How long does it take.My IVA has just been accepted. I've not told anyone about this. Thought it was only bancrupcy that was public informat...

Hello.I'm with Clear Start too. I've been trying to understnad my modifications.They were given verbally and I'm waiting for the written information. I was advised by people on this site to ring today ASAP but I was unavoidably detained all day. I'm also very reassured to hear clear Start are an exc...

hello.This forum is so useful. Does anyone know if I'm about to have problems with my bank account. My IVA had just been accepted. We clearly had to change accounts. Now we're banking with the Royal Bank of Scotland. I have a debit card and cheque book and they know nothing about the IVA. Itappears ...

thank you to both of you.I will ring on Monday morning

I might be too late...I know I'm sounding like a total idiot.I know I do 'shut down' when stressed, but I'm wondering now if I'm too late to have changed anything. The 'meeting' was on oct 29th.Prior to this I/we sent and signed all the propsals that were to be submittedto the creditors at the meeti...

Hello.Thnaks for that/Late reply as went to bed and managed to sleep!!! Modifications were the 6 year, rather than 5, remortage, and the fee the company charged reduced..not sure I understand the other things really.Cat 1

Thanks.Thought I'd read the cheque book thing on one of the messages.Might be misinterpreting stuff slightly atthe mo because of increased anxiety.Will it ever settle...seem to only read the negatives at the moment.Scared of living without credit but very glad to have sorted something out.Thanks aga...

Hello.Have just had confirmation that the IVA 's we applied for have been accepted with modifications. We are paying 100pence in the pound, over 6 years and have to remortgage at 5.5 years to 85%.We will have to declare all income over the 'allowed' and 50% taken again.Does this sound ok? I'm panick...