hi again There is 2 of us and our little boy. Re: fuel - I have a company car which we tend to use, £20 allowance was for my partner's car to get her to/from work. So are you saying £200 house keeping allowance isn't enough for a family of three? We would be expecting help from family when it comes ...

...correction to previous post - current BT Phone/broband is £33...

Sorry

Melanie Our current situation is as follows: CHILDCARE 366.00 ELECTRICITY (estimated) 40.00 GAS (estimated) 30.00 PHONE + BROADBAND 20.00 COUNCIL TAX (estimate) 130.00 CONTENTS/HOME INSURANCE 27.00 LIFE INSURANCE 43.00 MORTGAGE 1527.00 WATER 31.58 TV LICENCE 11.61 Car insurance 40.00 Car tax & maint...

We love the house!!

We really dont want to move, its our dream property!!! but we would rather move as a last resort, than be forced into bankruptcy, but we would also prefer to go into IVA rather than more!!!

Thanks Again.

Hi and thanks for the prompt response. My partner and I owe around £60k with around £30k in equity. We do like the idea of an IVA and understand some of the consequences. Melanie, are you saying that if the IVA fails we could still walk away from the creditors meeting, return home and put our proper...

Hi All, We are currently in the process of discussing/deciding if an IVA is an option to our debt problems. I would like to ask, if we decide to apply for an IVA and the IVA fails, can the creditors force you into bankrupcy? What would happen if at the creditor meeting the IVA failed and we didnt wa...