How many IP are going for the crown of IP of the year....is there a short list...who won the last one??? What are the Prizes....does creditors volt???

"A little more help with genuine hardship cases by creditors would be very welcome." I couldn't agree more...I mean there is a knock on effect somewhere from the taxpayers money to help the banks - its not just Banks 'promise' to go back to the more conservative way of making money, there are I hope...

As we are in a credit crunch should the Banks not bale people out of indebtedness or assist them with our taxes.But I see they are still chasing and charging as vigorously as before. No,let up. I find the situation rather jaunted as the Banks are been suppported and relieved with billions of public ...

In reflection, nothing wrong in my books to aspire to want a 'Hello'or 'OK' life style.Life is about living in color..we didn't question it then when the CC spree went on and no big brother government said -'shame shame shame'So what has changed.I didn't need anyone to say don't smoke as it is bad f...

Nice portrait picture Andy, looking like a statesman or businessman of the year? Is you picture in your IVA book?

The world has lived and thrived on credit in the last 16 yrs of it and will have to continue or job losses in retail will occur.Thats what the media is telling us - the shops need your custom and patronage. You were probably considered to be one of the Banks best customers like myself and I still ha...

I think people are been too harsh on the consolidatory loan....for one thing the acceptance of the loan helps to preserve the 'credit rating' and might strengthen the credit file as you could proof settlement of it.As a tool to reduce debt it might not write of debts but to be blunt if you borrowed ...

My view on the IVA expenditure is that it is tight especially NOW for younger people. When you are 60 you have seen a bit more and travelled a bit so we can survive on a low allowance without the need to buy more and feel good....a pink Porsche I don't want now but probably did when was 30. With a R...

Hi again Paul 51, I have as advised by someone here speak to IPs from three firms and I asked about expenditure in an IVA and all three had said that they all operate with banking acceptance criteria. I spoke to family members and think I am better going Bankrupt and just make claims. I have had dep...

Hi Paul 51,you comment about the ambal' worker not working and cliaming benefits and have lots of money - a delicious prescience catch phrase if I have ever heard one - going on benefit is far from a road to Perdition. You are so on the ball! I am contemplating for an IVA and I think you have made h...

I am new,contemplating on an IVA, how can you get a mortgage after an IVA. They all say you need a deposit these days. How much can you save in an IVA. What is your experience? How much does a person have to live on please? Do I decide how much. How about holiday money to Skegness. I have a caravan....