Hi Sam, In my case, being married, the joint household income including child benefit and child tax credit was considered.My wife is unemployed at the moment and hasn't work since my IVA was set up 21 months ago,l'm sure soon as she goes back to work, they will jump at it when my annual review next ...

Well done neverending! What a relief! You thoroughly deserve it.
Wishing you all the best for the future and please keep posting!
dso.

Hi neverending, Been away for a while, back just couple of days ago,wishing you all the very best as l'm looking at doing a similar thing before the end of the year i.e two and half years early.Watching this space keenly and fingers crossed,hope it all goes well for you.I'll be offering exactly the ...

Well said everyone, Before now l never thought l could survive without the plastic but having coped so well without the slightest regret in the last 2 years, what on earth would l think of doing with a plastic post IVA? If there is any eternal wisdom to be imparted on my children as they grow up the...

Hi snoogle,
I know the feeling, we've all been there before,stay cool and calm,
you can only try and l'm sure there is a solution out there for you.
l can't see any reason why it shouldn't go through.All the best!
dso.

Hi everyone, During my difficult days of running all over the place seeking infomation,ideas and ways out of my debt,the first and only company l spoke to requested a nominal fee of £600.00 from me which l paid over two instalments with a promise to have my IVA sorted out within 3 moments. Five mont...

Hi Melanie,
Thanks for your clarification. My local church,friends and families are bailing me out hopefully before the end of the year,God willing.
dso.

Hi anyone, After my IVA went through a couple of years ago,my agreed balance was £16,000 (being 33% of the original debt plus IP fees)However, l'm presently left with £11,000.Now, to make a lump sum one off final payment,what figure would my creditors consider before they either agree or disagree Is...