Thanks Kallis. Trying to remain positive and keep trying to think of payment as a loan. I think its just sometimes wishing we could do more with the little ones. I suppose at least all of this will be over before Uni time comes!

Hi all. We are well into our second year of our iva. Its a 6 year one with a possible 7th year with the equity clause. I know entering into it was for the best but sometimes I just feel down about it all. My eldest will be 15-16 by the time we are done and that scares the life out of me. Sometimes, ...

Thanks so much for that, calmed me down a treat. Im a bit of a worrier! Its my first review this month and getting paperwork together, something else to think about

thank you for your reply. I am with NRAM at the moment and it recent statement pack they included a leaflet on being prepared for the bank of England to raise the rates! I really wouldn't want to sell as getting back on the ladder later on would prove difficult.

Hi all. After some advice please. If interest rates are increased and the impact on my mortgage payments is high, what would happen. i.e. reduction in payment or would selling be an option? If we did this Im guessing any equity would go straight into IVA. Would they leave us some to be able to secur...

If I request overdraft through my bank, will they credit check me and if they see iva, could they close my account?

Hi lulu. They weren't included in iva as no balance and forgot I had the account. I rang automated number and it said I had available credit and online account is active.

Requested but can take seven working days, we go Sunday

Well It gets better, I can't remember my pin. Would the 500 include overdraft?

Holiday is all inclusive, so won't need much spending money, thank goodness

It says, "I shall not incur any further credit greater than 500 without prior approval of supervisor". That sounds like I can use the card then? It only has a small limit and I will clear it asap. It would be good to keep for emergency stuff too.

cant believe im asking this but here goes. we aer going away this sunday, last holiday which was booked prior to iva. just realised that the hotel we are staying in over night, isn't paid for, just reserved. I really haven't got the money. I still have a credit card which doesn't have a balance or a...

Hi all. Bit of advice please? If I receive a one off payment from work in connection with a payrise, would I have to pay it across to iva pot? Entered into iva and this is the first time where Ive wondered if Ive done the right thing. Watching those around me pleased about payrise and me sitting the...

Hi all. Massive changes in shifts at work have resulted in me doubting I can get my children looked after and now Im doubting my employment. Looking at other jobs but they don't pay as much, short by around 10k. What would happen to the iva if I quit my job due ot childcare issues, I take it it woul...

sorry, wasn't very clear. Hes not doing it now. We thought we could do a little here and there to stay under 10% but hes now been told full amount is due by December. Not looking good for him!!!