Hi All, I have been in IVA for a year now and come to the realisation that I do not want to keep my house as it is riddled with damp and I have a young child and I am not going to be in a position to get it fixed for a long long time. I have found a house to rent which all going well I will be movin...

It’s in negative equity of about 30k x

See that’s half the problem I don’t think I want the house anymore. It needs so much work doing to. It has damp and Falling apart in places. Even once am debt free it won’t be something I’ll ever be in a position to sort out and I’ll never get what I paid for it back. Just feel like I need a fresh s...

Hi Need some advice, I have been in Iva for couple of months and it’s still taking some time to adjust to it all. However my issue is my house is a big house and it’s old and needs so much work doing to it. I feel like I’m fighting and struggling to keep it when I know even once I am debt free I not...

They told us yesterday that they are changing pay dates I would usually get cheque Monday and it would clear Tuesday but now there saying it’ll be end of the month straight into our account. So instead of my money only needing to last for a few days it now has to last almost two weeks. I just need r...

That’s the thing I’d budgeted my money to last till Monday when I’d be paid but now I will run out of money before the next pay date so it’s not a case of taking a pay break I need cash to see me through to the end of the month now. Obviously when I get paid I’ll pay it straight back as it is just d...

<t>Hi<br/> <br/> I am currently in my 5th month of an IVA and things are going ok, I usually get paid by cheque on 21st and it clears my account on 22nd and all my bills are paid the 25th etc.<br/> <br/> However the boss has decided he is going to pay us all via bank transfer at long last but it wil...

if they can not afford the pay day loans could they not go back to them about it being unfair lending?

It might help if they can get the interest frozen and pay it back over a longer term, then hopefully it wont have a big impact on their IVA expenditure figures.

Hope they get it sorted x

how are you able to get a pay day loan while in an IVA surely when they do the checks they will see the IVA on credit file?

is that not irresponsible lending?

is that an app or online? I am starting to think of birthdays and Christmas this year already and want to be prepared as possible, first month and it has been a bit of a struggle but we will get there am sure of it. didn't help that the bank took some funds out of my account unexpectedly as well. th...

Hi

Please could you advise how and where you go to do the surveys that gets you vouchers,
I am looking at little ways to get extra pennies in to save for birthdays and xmas,
Any help and advice will be much appreciated,

xxx

Hi Posted a few days ago about my IP not getting back to my calls or emails, I finally emailed and advised if no reply by Monday I will have to look at making a complaint as I need answers and no one is replying to my emails or returning my calls.... 'Thank you for your email. You emails have been t...

Hi Firstly - I had my creditor meeting on 17th December all went through ok. They sent me email with attachments to sign and standing order to set up. I asked how best to sign them and return as they weren’t the usual type to sign online and return so wanted to know if I needed to sign them and post...

To be fair in a month or two I should be able to have put about £200 away so will get it after xmas the lady who done my IVA was very generous with some figures she put in my proposal so I will hopefully living better then I have in a long time, hopefully be able to get a few bits done to the house ...

Thanks hun, I only got accepted on mine yesterday but it has just been nice not getting all the calls and to know I am doing something about it now. I could do with my bonus as I desperately need new carpets in the house they are over 9 years old and look it. But he ho looks like I will have to wait...