Hi everyone Just wanted to say hello, still hanging in there. I can so identify with 'its still raining' and 'another 24 hours' Hope you are all ok and holding on like me to the 'things can only go up from here' At least its raining here, absolutely nothing worse than the sun shinning when you feel ...

Hi Problem with hiring - before I took the IVA I attempted suicide as a reasonable option !! I took pills and booze and drove to a cliff. I hit a parked car, thank God no-one hurt. Upshot was I was prosecuted for driving whilst unfit - they took the blood after I had collapsed in the police cell and...

Morning everyone Thank you for good wishes, feel more motivated but still rxtremely depressed. When my ex' car was written off in December he was given a lease company to get a nearly new car as it was essential for his work (he works from home and gets hire car allowance for outside jobs - essentia...

Thanks for that Melanie, that was really helpful information

Hi I am new here but I do know a bit about the lenders and repossesion. we managed to keep up our mortgage payments and secured loans for 18 months after the IVA was granted. We then told the lenders and reached an agreement - but it wasn't realsitic for them in all fairness. This lasted for six mon...

Wow, what a lot of good advice and help straight away. We owed £84,000 unsecured and last year were paying £371 each. Our mortgage and second mortgage were £2300 on top of that and we just couldn't keep it up. One of the companies where we had a joint overdraft took us to court but then apologised t...

I have an IVA alongside my husband. We are divorcing and the house is being sold, there will be no money left. Both of us are working full time and need to rent property - with an IVA we need at least 3 months rent deposit and the security deposit - which will be about £2500. I can borrow some from ...