Thanks for your reply - I'll save my money for my first IVA payment (positive thinking)! However, I am up to date with the unsecured NR loan anyway because it comes out by DD with our mortgage payment!!

Hi sorry for delay in replying. My mortgage was on repayment until December when it converted to interest only so I could manage my debt. BUT I haven't got an endowment policy. WOuld this affect an IVA not being in a position to reduce the mortgage?

Thanks for all your support and ideas. I have shown him your posts. He has had a complete turn around and said he is totally committed and he will support me in whatever we decide to do. Result!! Thanks again guys!

Thanks everyone for your reponses. I will set up separate accounts and leave the joint one for DD's bills etc. He can have his spends what are included in the budget (£30) and once its gone its hard luck! I am going to have to toughen up I think! He says he understands and then does the opposite! We...

My partner and I have been on a DMP since December and are now going down the IVA route. The problems is that I cannot get my other half used to living on a budget. It has caused many arguments this weekend because he is still trying to live like he always has done. Whilst I am doing my best to find...

Forgive me if I am a little rusty but this is my first post. I am in the throes of applying for an IVA jointly with my partner - we have £46k debt and £500pm x 60 contributions to propose, which will give a divi of >50p/£. From reading other posts, it seems that we may have to re-mortgage in the fou...

I would have thought the costs of the advert in the Gazette and the local rag be better placed in the pot for creditors!! Its seems common sense may prevail after all !