Hi Everyone. Just filling in my expense sheet ready to send to my IP....Anyone got any tips on what i should sensibly put....How can you answer things such as clothing/footwear and medicines/prescriptions...You just get these things as and when don't you? Even more so when you have 2 young children....

Gr8 replies Viki and Jan... Here Here!!!!! [8D]

Hi Viki
I reckon my unsecured debt totals 30 odd thousand..As i said i do manage to pay all of these but end up using credit card again to live on. Steve

Hi Andy
Thanks for that...Its a big help...Think i might see if i can go down that route 1st.... Thanks Steve

Hi Viki Thanks for the reply....Lets just say what you've described in your 1st paragraph is exactly what i have been doing for the past few months...I now have 1 card left with some credit on it but that will run out soon. Always helps hearing someone that has been in exactly the same position.Even...

Hi everyone... I've spent today working out my figures etc ready to give to my IP next week. I've been on Experian credit report site to get the amounts i owe etc..While i was there i checked my credit score and found it to be 999 out of 1000 which is described as excellent. I pay all my bills/debts...

Hi again everyone. Just about to start the very early stages of applying for IVA..I have already recieved some really positive and encouraging replies from the great people on here.Sorry for being a pain but i am looking for yet more advice as i keep having serious second thoughts and i'm sure all y...

Many thanks to you all for the quick replies...I'll see what my IP says on Tuesday...At least there are a few options open to me....One less worry over the weekend....Thank you all again...Steve

Hi again everyone. Put my first post on here last night asking you all for advice about the first steps of applying for IVA. This may seem a stupid question so forgive me but i notice these things can take months to finalise.Can someone tell me what happens in the meantime. Do i have to continue mak...

Hi All Thanks for all the quick and friendly replies.Feels better already knowing i'm not alone in my situation(although its felt like that as i'm sure you all know). Its just the start of the journey for me but fingers crossed.Hopefully down the line i can be as friendly and encouraging to a newcom...

Hi everyone....Just took the big step of finally admitting i have a major debt problem...I've contacted Melanies's team today and am currently putting all my information together...Was just hoping for some friendly advice and hopefully looking for people to tell me i'm doing the right thing going do...