If you haven't got the money it doesn't matter what the divorce settlement says, you can't pay it! Courts can only divide assets, not debts. Just forget about it & carry on with your life - sounds like you have a new baby to concentrate on.

Yes, but you remain liable for the full debt until the iva completes. Hopefully you will still have some inheritance left to make your new debt free life easier.

In a word - yes.

More crucially - how much of a deposit do you have % wise? From what you have written it doesn't look goos on paper, the fact that you were still financially in difficulties even during the IVA so maybe you do need to wait a while longer. TBH, I am confused about how you use your credit cards - I pa...

Have you still got the money? Hopefully the review will sort it out so that you can continue with your IVa.

What would be expected to happen regarding the money if she decided to change jobs or went on maternity leave?

Radish - surely you knew that your son needed paying for though? And that the CSA rate is the minimum you need to provide? Just a bit confused about why you didn't budget for it in the first place.

Who lives in the house? Seems like you were underpaying by quite a bit for your children but that is ringfenced so your IVA contributions would fall.

But surely not all PPI was missold? Ww were advised to have it on the mortgage but since my ex & I were in stable jobs which allowed sick pay, death benefit we refused it. Others have taken in it & claimed on it.

I'm with Halifax & found their mortgage advisors in branch really helpful. Might be worth seeing if you could make an appointment, although obviously it would have to go to head office.

Fingers crossed for your boiler - mine is 16 years old & still going strong!!

You've paid off less than half your debt & are now clear. Maybe that's what you should focus on, might make you feel better in the long run.

6 YEARS FROM THE start OF AN iva OR BANKRUPTCY SO NO DIFFERENCE THERE.

At the end of the day though, you are no worse off than if you hadn't claimed it.

How much actual debt is owed now?