exactly and hopefully within the next couple of years something will change to allow me to pay my debt off quicker. i just wanted to say a huge thank you to you all that have taken your time to write back and answer my questions it has been a massive help and god knows how long i would have believed...

hi melanie thank you for getting back to me im thinking maybe i should work with the cab to get my payments as low as possible and then if i have any spare money pay a little bit exra to clear it quicker as maybe things will change with in a few years and i might be better off like when the baby is ...

rung the cab and spoke to the adviser that said i could go for the iva and told him that i have since been told i couldnt go for the iva and he said he had just found out the same thing

hi skippy i had a look on them websites you gave me and it turns out my car is worth less than i thought although im not sure what price the or would use my trade in price was £1,781, my private sale price was £2,841 and my dealer price was £3,570 so if anyone has any idea what price they would use ...

ok skippy thank you very much for all your advice ill have a look on them websites

you have a good point there skippy i got the car nearly a year ago so the price will have dropped but i dont have a clue how much but it is a good car with no problems so i couldnt knock nothing off for that. what is the parkers or glasses guide so i can have a look. and are you saying if i was give...

when you said borrow the difference did you mean i would get to keep my car if i did or use it to buy a new one

no not really as i have already borrowed (if that is what you meant)

i no you all have very good points and i just wish i could let go of the car and get rid of all this very stressfull but what if i do end up with no car and stuck here when my family and friends are not here and also struggleing to get to appointments and then there is shopping to get plus like i sa...

hi skippy, if you dont mind me asking how much was the car you got to keep worth

i have had a look on some other sits and it seems i would need to be in some sort of employment which is a bit rubbish as i was told i could def go for the iva so i dont no where they get there information from at the cab so ill just have to tell them what i have been told and see if they can reduce...

my house is rented and im not worried about getting credit in the short term i was thinking more long term as maybe one day i may be in a situation where i could affofd a mortgage and i no that wont be any time soon i just didnt want to mess my credit up for the next 10 years

i really would love to go bankrupt to end this mess once and for all but my car is worth £4,000 and to be honest is all i have that is actually worth anything and took a lot of hard work to get plus like i said i really do rely on it as my son has adhd so i have appointments to get to that are not i...

i have been told by the citizens advice that even though i am on benefits i would still be able to go for the iva as im in £19,000 worth of debt and if i was going to go for the dmp then i will be in debt for 16 years or more i was also told i could go for bankruptcy but then i would loose my car wh...

how long after an iva would i be able to get credit again providing everything else was up to date and there was no other reason to be refussed credit Also what is the minimum i have to have left over after paying all of my priority bills to be able to apply for an iva. i am a mother of 3 and live o...