Thanks Mel. Had a chat with Suzanne from your office and it looks like unfortunately there is no other way out of this mess than coming clean with my Dad and splitting the money pro rata.

Thats going to be that hardest conversation I have ever had with him, thats for sure.

Thanks very much for all your help.

I borrowed £5k off him. We have sold the car for 5800, was going to pay him 3800 against the loan, 1.5 for a run around and the rest to go BR.

I must admit I was a bit worried about this myself, as I really dont want me Dad to find out about our financial problems.

Hi all, Hope you can help. I am currently in an IVA which is going OK. Within my IVA we were allocated £100 per month to pay my wifes creditor's. She only has 2 and as such would not qualify for an IVA. Her total debts are in the region of £18k, the vast majority being on a credit card. We agreed a ...

Hmm.. only asking as before Picture changed names or changed hands... my interest rate would come down in line with base rate, we would periodically get letter... however I have not had one for ages. I might give them a ring, but was just canvassing for other experiences.

Cheers guys.

Sorry might be wrong forum, mod please move if so. Anyone got a secured loan with Picture (or whatever they are called now). It has only just occurred to me that my payments have remained the same since I took it out (about 3 years ago). Has anyone managed to get their interest rate dropped? I think...

Doing it ourselves Andy. I'll have to call LTSB credit card and ask if they will accept a reduced payment so I can make contributions to Apex.

Do Apex fully own the debt now ? or is it still in the hands of Lloyds ? I'm not sure how these people work.

We had a call out of the blue this morning from Apex Credit management. My IVA was approved back in November and the overdraft on our joint account was included. My wife entered into a DMP with her CC company. All rosy or so I think. It transpires that the bank can go after my wife for ALL the remai...

I was contacted at work also. However, I find that the best way to avoid it is speak to them in the evening. I talked to all my creditors and told them flat that I couldn't take any payments as I was progressing towards and IVA and my IP had told me not to pay anyone. It seemed to do the trick, howe...

HI all, Had my IVA approved back in November, and all going well. The IVA is in my name only and is only paying my creditors. My wife works 2.5 days a week, but has the option of going full time. Would the additional income increase the payments into my IVA ? The terms of my IVA state that any addit...

Ok I'll have a go... (please note that all the creditors had been written to prior to the calls) Northern Rock. Called once a week, I told them each time I was applying for an IVA and will not make a minimum payment. They accepted this but said that they would have to call once a week to meet procee...

Hi chihuahua, I was in the same boat with my Wife. After I realized there was a problem and it couldnt go on, I sat her down and told her all about it. I was half expecting to loose her, but she was just wonderful... totally supportive. I think she was more relieved that I had told her the problem a...

Best wishes for Saturday Jan... I'm sure everything will be fine.

The last few days have just been a revelation. I can honestly say that this is the first Christmas in probably the last 5 that I have not had serious worry's about mounting debt. Its just like a massive burden has been lifted or that a dark cloud that is always associated with this time of year has ...

I got a cracking bonus this year, totally out of the blue, and also 2 months after my IVA was agreed. FOr the 1st 10 seconds, I was gutted that I would have to give back so much money, but then I put my sensible head on and realised that if I had received the bonus pre IVA it would have just been ea...