hi melainie or andy ,you have helped me out before ,my iva was approved on a lump sum sale of my propertie they have given us a year to sell the house with no payments monthly ,but do i need to keep receipts or anything to show i am sticking to the income and expenditure that was presented to my cre...

hi does it matter how much you make on ebay ? if its your own things you sell ? its just ive got loads to list as we just moved house and ive got a few nice bits to list that will hopefully make a fair bit ,but don't want to upset my iva ?

I am a total Ebay addict and my friends and family call me "Del BOy" because of it!! I buy and sell and have very few bad experiences throughout the few years I have used it. I have made a steady £150-200 a month througout last summer clearing out my junk and selling on. The great thing is if you s...

HI THERE ,I'M NOT DEPRESSED ANYMORE LOL !!!! BUT I WAS ,JUST SHOWS THERES LIGHT AT THE END OF THE GLOOMY TUNNEL !!!! JUST KEEP YOUR FINGERS CROSSED FOR ME THAT THE HOUSE SELLS ,DOES ANYBODY KNOW WHAT HAPPENS IF IT DOESNT SELL WITHIN THE YEAR AS IN THE PROPOSAL ?? WORRIED WITH THE HOUSING MARKET AS I...

hi again ,i recently had my proposal accepted in the form of a one off lump sum payment from the sale of my home ,they have given me a year to sell my house to pay off creditors ,our income is low but i had to fill out an income expenditure form ,do i need to keep receipts as proof of what our incom...

HI EVERYBODY ,LIFE IS GOOD !!! I HAVE JUST HAD MY OFFER ACCEPTED FOR THE SALE OF MY HOUSE TO PAY OFF MY CREDITORS ,JUST HOPE THE HOUSE SELLS NOW !!! I WENT WITH MCCAMBRIDGE DUFFY WHO HAVE BEEN FANTASTIC !!!! THEY PUT FORWARD AN OFFER OF 26 P IN THE £ AND IT WAS ACCEPTED BY 85% OF MY CREDITORS AND 10...

hi loads of my debts were passed over to debt collection agencies ,it doesnt matter you can still include them in an iva .

also i forgot this part ,what on earth would i do with the cash from the sale of our home ,if they rejected the offer ????

good luck ,fingers crossed for you : )

hello everybody , i was just wondering how do creditors proceed is they don't accept your iva proposal do they just make you bankrupt or do they take you to court and arrange a ccj against you ? and then you have to stick to the ccj. if you do get ccjs is the interest stopped ? i'm offering everythi...

thankyou for your advice ,so unless i don't adhere to ccj payments they won't turn up . its just as jo mentioned i had heard of different types of bailiffs and just wondered who was who and if any had more legal authority etc . just received a default notice from goldfish threatening all sorts ,my i...

hi shazzles ,mine has just been drawn up and passed to the company ip to check before been submitted ,your not alone !!! fingers crossed for us both : )

hi stupid ,we are offering a lump sum iva at around 35- 40 p in the £1 ,we will know more once our proposal is drawn up as we are not certain of our ip charges yet ,we can't commit ourselves to a 5 yr iva due to our circumstances so this is the very best we can offer ,i don't think there is a rule a...

hi just trying to work out roughly what we will be offering in the £1 to our creditors my husband and i are offering a lump sum one off payment but we are unsure of ip charges at the mo ,will we both be charged or just one set amount between us ? what is an average amount ? for both of us ? thankyou...

hi andy or melainie ,i have just sorterd out all outstanding balances to creditors etc and am waiting for my house to sell whilst my ip draws up proposals etc ,i have worked out our i&e and theres around £150.00 per month left after outgoings ,but this is not deffinately always available as my husba...