yes, with the proviso the plastic is cut up.

would someone offering to give me £450 a month be a case of papering over the cracks here?

now if only you could have done that a few hours earlier - all this IVA talk would be unnecessary and I would happily have dug a few of you out of the mess as well! Honest, I would.

any more for any more from my questions above - particularly number 18

its nationwide

I have an account now with no overdraft - will that still be useable whilst in iva?

that's a good start. Thanks

The bank account issue is a major one as I need one with a debit facility. Don't want an overdraft, but want to be able to use chip and pin and use for online shopping.

The other biggie is the effect is may (or may not) have on our jobs.

Right, for those in the know - I have a shed load of questions - please feel free to help. 1) If debts are in joint names, do both of you have to register in the IVA? 2) Can you keep a present current account if you don't owe any money (overdraft etc). 3) Are you more likely or less likely to be acc...

Right, for those in the know - I have a shed load of questions - please feel free to help. 1) If debts are in joint names, do both of you have to register in the IVA? 2) Can you keep a present current account if you don't owe any money (overdraft etc). 3) Are you more likely or less likely to be acc...

Its looking that way Melanie. Tina rang me this morning - extremely professional, polite and approachable. Thanks

halifax

oooh, one more question for those with way more of a clue than me.... I note 75 per cent of your creditors have to agree to the IVA - is that worked our pro rata - i.e if you owed one company half of your debt to they have a greater casting vote? I have 38k of debt - £27k of that is to one company v...

Cheers Til, The kids are the priority, I am just scared it will effect our jobs (police officer and financial consultant) which would leave us in a catch 22 somewhat. You are right - debt consumes you and dominates everything and is at the heart of all the problems we have as a couple and as a famil...

what have other people's experiences been? How has this effected your personal and professional lives?

Part of the problem has been that I have taken this on my shoulders on my own for so long. The mrs has known of our debt problem, but I have always "dealt" with it as such. Got the point where I am so stressed that I could not cope on my own any more. Month on month, I am robbing peter to pay paul a...