phew thanks micheal , thats great i'll call now

hi i am with co-operative bank they are great i opened it when i entered into my iva ,but they won't let me have cheque book :( so if i can go back to using my hsbc account without any problems now that my iva is completed that would be great !!! :) i thought hfc and hsbc were linked anybody know ho...

thanks viki , they are normally fantastic but all the phones are constantly engaged and some are unknown numbers on some of the offices , hope they get in touch soon as i transferd 45,000 to them beg of nov and havent heard anything at all !!!

hi i have just paid my iva in full and final , one of my creditors was hfc who i believe are linked to hsbc , prior to my iva i had a bank account with hsbc which is still running but has'nt been used whilst i was in the process of my iva . now that my iva has finished can i go back to using that ac...

hi i have completed my iva through mccambridge duffy i paid £45,000 full and final from the sale of my house , i 'm now awaiting the completion certificate ,i paid by bank transfer beg nov ,any idea how long it takes to receive the certificate i can't get hold of anybody at mccambridge duffy ??

Hi its been a while since i've been on here ,this is my story so far got into heaps of debt was living in a one bedroomed house because couldnt afford to move ,approached mccambridge duffy who have set us up in an iva as in full and final from the sale of our old home (now moved and renting a counci...

thankyou melainie ,very good of you to get back to us ,what a relief .

hi melainie he is a self employed gardener / landscaper ,if they stopped him trading we would have no income other than the usual benefits ? would they still stop him trading ?

thanks melainie ,
but you think it would be difficult for my husband to carry on with his small business ? ,
the debts were personal debts nothing to do with his business ? .
i know i'm looking on the gloomy side -sorry just need to know ,thankyou.

hi melainie its a joint iva myself and my husband,the car is worth around £3,000 but my daughter receives disability mobility allowance for a car as she has poor muscle tone .

hi ,i have had my iva accepted on the agreement that i sell my house to pay a lump sum one off payment ,i contacted my iva company because my house has been on the market since november ,i have been given a yr to sell my property but if it doesnt sell i have been told that the arrangement could eith...

hi melainie thankyou for your advice ,what about the car its not pledged as a specified asset can i sell it to buy another one ?

thanks for all your support ther are no specifications as to what her allowance is for so i asume its for anything she needs re her disability and at the moment due to weight loss its clothes amongst other things .

hi my iva was accepted yipeee !!! ,it is a lump sum payment based on the sale of our home as and when it sells so there are no monthly contributions to pay ,but we did fill in a i&e sheet ,we were allowed £80 per month for clothes for 5 of us and my disabled daughter was given her own allowance of s...

hi my iva was accepted on the basis of a one off payment from the sale of our home ,which is up for sale now ,we did present an income and expenditure sheet to the creditors but i have just had a baby and so will get an extra 43 per month family allowance although it will go on nappies and baby milk...