As soon as Lloyds got papers about the IVA meeting, they froze an account of mine. I had to go into branch and an advisor there rang through to to my IVA team (who didn't even ask to speak to me, just if I was present) Once they said they had no interest in the account, Lloyds then released the fund...

Stepchange do offer suggested amounts when putting a budget in. I didn't have a clue on a lot of things, such as clothing, as I was so used to not having any money left at all for anything other than bills and buying food on my credit card.

In relation to this, can I ask the experts: some phone companies now do the phone contract as two parts, so much for minutes, so much for the device and you are technically signed into a loan. Some phones are £500+ which leads me to the credit limit query, is this acceptable? My contract is with a n...

Also if there are any joint accounts that you use, ensure they are separated, my ex was using an account with my name on it and it was frozen as a result because my credit card with that bank was included in the IVA. I had been trying to get myself off the account for over a month beforehand but he ...

After some digging around, I have opened a post office savings account following a link on the money-saving expert site, seemed best interest rate available. I am newly in an IVA and didn't want to chance Co-op noticing my IVA if I could help it, in case the close my current account (opened a month ...

Mine was a similar time. Today I had another call from First Direct who are still adding late payment charges to the credit card I had with them. I also had asked them to communicate in writing rather than on the phone previously. I just ignore their calls and let it go to voicemail then delete the ...

When I did the 3 month cert I would get 4 months by timing purchase on collection of 1sr set of drugs and requesting the 4th month a bit early and collecting it before it expired. I'm not sure my doctors would agree to higher quantities with it being opiate based pain meds I take.

I have been reading through blog posts and seen things where people mentioned unexpected prescription costs and also not being able to afford their prescriptions. In case anyone is not aware of this, you can get an NHS prepayment certificate, £29.10 for 3 months, so if it's likely you need more than...

Thank you both.

Hello, I'm newly registered here, but have been reading the forum as a guest for months. All the info proved invaluable in my tumoiled state of mind, juggling the £32k in debts as a newly single person (previously manageable whilst with the ex.) My IVA has been agreed, fairly smooth sailing too as I...

My virtual meeting was held in November. My first payment was taken yesterday (should have been 1st Jan, but bank holiday delayed it). My council wanted to be included as a late addition, so I got a letter telling me to cancel my direct debit, meaning no council tax paid December, that January's pay...