Hi, Really sorry to hear about your situation. Personally I think your best bet is too accept the new job and gain the experience and then make sure you have new job in the field you want to work armed with your new cv and new experience before September so you can continue your IVA. At then end of ...

Hi All, I am in the process of looking over my IVA proposal. When I had my first meeting I was told my student loan would be included and now when i have my proposal it is being excluded. I was told that student loans wont accept a proposal that is any less than 65p in the pound! Has anyone else eve...

Hi all, can anyone tell me if they have managed to get broadband provider with a bad credit file as i am looking to switch in a few months but am worried i wont be able to beacuse of my file. I know this may sound a bit trivial but my job would suffer without this service and I have to look at chang...

Hi, I have just started to talk to IVA firms and yesterday spoke to Clearstart who were very helpful. However they have arranged to send me out a pack by Thursday and are then coming on Friday to pick up all my stuff by courier. This seems a little quick to me in the sense of i was going to investig...

Hi, Is it ok not to include my student loan in my iva as mine already comes automatically out of my salary and has done since i started work. Do i need to include this in my total debt figures when i show my IP my financial info. I am pretty sure student loans are not covered in IVA's and dont notic...

hi sorry this is the 3rd post with same info as i cant seem to get it to uplaod to the normal forum.. think computer skills are not working today!!! one more go and i give in.... Hi, I am approximately just below 49k in debt. I have just had to move out and rent somewhere new. I have a monthly incom...

Hi< I am about to move out and am thinking about applying for an IVA as will 49k debt i cant afford to live and pay my bills. As of yet i havent seen as IP but am trying to work out a budget etc before i go to see them. Into my budget i have put sky as it seems to be really good value broadband, tv,...

[quote] Originally posted by cr15py I'm not sure whether this is the correct way to do it, or the recommended way, but what I did was cancel the direct debits for the credit cards. You will be advised to do this anyway by your IP once you start to go for an IVA. It seems a bit silly to let the credi...

Hi, Can anyone tell me what to do whilst you are waiting for an IVA to be set up? For example I am thinking of setting up an IVA but nothing has gone through yet as am still researching. In the meantime I cannot afford to pay all the direct debits payments that come out of my current account and sti...

I dont think I was ever asked to show utility bills but then a lot was on my bank statement. I know what you mean about estimating them, things like water, you should, be able to get from the water authority, gas and electric may have to be estimated. The main thing would be to make sure you know w...

may not be the help your looking for but im also in a similar situation, moved back home when i entered an iva - payplan accepted a figure of 450 rent being paid to the family as my rent outgoing inclusive off all utilities - didnt have to provide any utility bills at all Thanks for advise but as t...

Hi, I am 49000 in unsecured debt and dont own a house or car. So far I have been servicing this debt as i have been living with parents and only paying rent of 250pcm with the rest of my monthly net income of 1478 paying back my credit cards, loans and catalogue bills all of which are unsecured. Unf...