I have just started an IVA, (09/08), at what point can you offer & F&F payment, and what value is a good offer. It's not an option for me, but who knows what the future can bring...just out of interest.

Thanks email on its way to you. Neil.

Thanks Melanie. Am I aloud to give you a "broad brush" outline of my situation. Would you be able to give me any idea of what to expect, are you aloud?, I am so worried, I feel ill. neil.

Thank you for the information, and info.about Melanie. I have my final appoitment with CCCS in the morning. I will mention my concerns, and see what they say. Neil xx

Thank you Viki, I am just worried, and it's making feel all unwell and nervous. CCCS have been ok, but they go through the budget thing so fast, I have to then review and make changes, and we start again. I know its free, but I will have to live with these finances for 5 years. Food and petrol has g...

Is it true that if my IVA is not accepted, some horrid brute of a baliff is going to come knocking on my door, to take what..a TV!. I want to pay my debts for goodness sake, I could of gone straight to bankruptcy, and I haven't. Give me a break, I have messed up, but I am offering to pay you back ev...