I'm very worried as from September my hours are being cut to 2 fifths of what they currently are, which is obviously a massive drop in pay. Also to add to that I'm pregnant due in January. The drop in pay and added cost of baby is totally panicking me. I can't see how we'll manage. We've been in our...

I was going to ask the same question. Now it's approved for the next 6 years what paper work do I need to keep?

Hi Naomi, I've just entered an IVA. I started the process in May and the 2 months getting stuff together and waiting were actually ok I felt I was finally doing something. The only bad moment was when our IVA was initially rejected but it's been accepted. I was really scared at first but I read as m...

Hooray can't believe it's been accepted! After Northern Rock rejected it the first time I was so shaken up. Since May I'd been so positive thinking we were getting things sorted ready for a fresh start and then it just disappeared. I cried for a while but our IP was fantastic and tried again with so...

Hi Trina, saw your reply after i'd posted. Ours is a together loan with our mortgage so very different to yours. I hope yours goes through ok.

SB

Hi thanks for everyone's advice. It's calmed me down a bit. NR said that we didn't have enough debt and would be able to pay it off over 30 years. (It's a together loan). All our other creditors accepted 40p in the £. Our IP is going to ask them again and adjust the figures to 6 yrs. But she didn't ...

Our IVA has just been rejected by Northern Rock. And now I'm desperate for advice. Should I consider bankruptcy?

SB

Hi I'm new to this. My husband and I are in the process of pursuing an IVA. We have borrowed through university and just kept paying off old debt with new and living on credit. We've just had a baby girl and it's made us realise we can't go on as we are. So fingers crossed our IVA will succeed. We'v...

Hi this is my first post, can't believe it's about Nancy and not IVA - much more fun!
I think Jessie is excellent. Jodie's great but just not Nancy. And why is Ashley still there?

Lou