Hi scaredkez
thanks for your reply its really reassuring to hear from others. i am struggling to keep spirits up because my husband is suffering stress the most. being on school hols is a bonus. Time to collect our thoughts and plan what to do before I leave in May.

Hi rollercoaster Thanks for replying its lovely to thinks someone else understands. I do feel guilty about giving up work but I know it was the right choice for me. Everyone was supportive but i have not been happy at school for a long time. This has made it easier for me in some kind of macarbe way...

Hi melanie
thanks for your reply.
Our morgage repayments are very high about £1100 per month. This is my husbands salary. There wouldn't be enough money left to fund an iva.

Hi Paul thanks for your reply. yes the draft mode is still being prepared but with change of circumstances i don't think it will go ahead. One option my husband has thought of is he has an endowmnent policy which he could sell and try and use this money to pay of some debts through and arrangement w...

Feeling very depressed and can't see a way out. even IVA not working right. chnge of circumstanced put us back to square one. How do you keep positive?

My husban and i have recently started an IVA and are waiting for our proposal to be sent. Originally the proposal was to be based our our joint income. I am a full time teacher. One of our salaries is for our morgage 1100 per month. The problem is due to stress and working at a difficult school I ha...