many thanks declan, i will keep you posted as to what happens.

i dont find that comment very funny even if it was a joke, if your not going to give a constructive/helpful reply, dont comment on any of my questions please, this is not a laughing matter

hiya all i am with dfd and have started to struggle with my payments hence i have asked for a variation meeting. i currently pay £510 per month on an original debt of 41k. what i would like to know is if my payments were reduced, would the term of my iva be extended? the reason i have given dfd for ...

hi melanie, its hard for my partner to get to mine as she has 2 young children and doesnt drive, she does get down occsssionally and as for the housekeeping budget, i agree with you, its not enough for food, cleaning stuff, deodorants, etc, i mean £35 i more or less spend on food before ive bought a...

thanks paul,
will keep you updated as to the outcome of anything...

hiya all, thanks for the replies my iva is debt free direct, i have just spoken to them and they are sending me a new income/expenditure form to fill out, i will also send a covering letter explaining my situation to them... i will not be cutting down on seeing my partner nor will i move there becau...

hi all, i am currently 15 payments of £510 p/m into my iva. im starting to struggle with meeting the payments as my original petrol allowance was £200 p/m but i am now spending over £400 p/m on fuel due to a long distance relationship, also, my housekeeping/food allowance is only £140 p/m and i am a...

hiya all, i am currently 15 months into my iva with repayments of £510 per month. due to personel reasons i may possibly be relocating to another part of the country where my salary will decrease by around 13k per year. i wouldnt be able to meet the current level of repayments,i read somewhere that ...

thanks for that guys, will let u know what happens..

hi all, i've just returned my i/e form, bank statements, pay slips and p60 to debt free direct for my 1st annual review. does anybody know roughly how long it will take for them to let me know about any increases etc. i never increased anything on there apart from food and petroland that was only by...

good luck to you both, ive made 11 payments now, its gone so quick too...

im just so glad that last year i finally decided to face the the facts and sort my financial situation by entering into an iva. sometimes i think another 4 years is a long time but its better than receiving 3/4 letters everyday from creditors and sleepless nights thinking how am i going to pay this ...

hi all, can anybody tell me what happens if my salary hasnt changed but utilities, food, fuel etc has gone up, would it be likely that my iva repayments could possibly go down or would they just leave them the same. my 1st review is coming up and was just wondering what happens in that scenario many...

HI I ONLY GET £140 FOR GROCERIES PER MONTH WHICH IS NOWHERE NEAR ENOUGH AS I AM 6FT5 IN HEIGHT AND HAVE A BIG APPETITE, IM NOT GREEDY EITHER BUT APPX £35 P/W FOR FOOD AND TOILETRIES ETC IS NOWHWERE NEAR ENOUGH, I MEAN, HOW CAN THEY COMPARE ME TO SAY, AN 8ST WOMAN WHO EATS HALF WHAT I DO. I CALLED MY...

hi melanie, i noticed that you thought £130 per month for food for a single person was a very low amount. i agree with you, my iva was approved last april and was given £140 for housekeeping/food, i am a larger than average person being 6ft 5 and weigh 18st and train alot so do eat more food than th...