Again, confused?? As a complete novice in terms of IVA..how do you get to buy things on the net..can the chosen bank account still issue a debit card? Sorry for being dumb!!

On the subject of car expense..if I am currently paid 35p for each mile travelled (outside of normal travel to work), is this taken into account when the creditors consider monthly payment into an IVA? Surely, the expenses allowance from work should be used exactly for that purpose; fuel and running...

Hi - my partner and I are just in the application stage of an IVA..we have two (11 and 13) year olds who have had a releatively stress free life in terms of budgeting etc.. has anyone any tips on how to break the news about financial hardship - its not something they are used to and I dont want to w...