Hi guys another question….. I am currently living with my parents. They have no idea about the state I am in and under no circumstances do I want them to find out, they are both in ill health and I fear this may just be too much for them. I am paying them rent of £400 this includes all bills etc, I ...

Thanks for the replies, they are indeed great mates. It's kind of made me realise how lucky I am although it's sad it had to come to this to make me see! I have spent far too long thinking it's money that makes me happy when in reality it really isnt. We are off on the annual lads holiday and this y...

Another question!!
I am going to have to change bank accounts and was wondering if I did this sooner rather than later is it possible to open a basic account (with no overdraft facility)without letting the new bank know I am hoping to enter into an IVA?

Thanks

Hi I am in the process of getting info sorted to apply for an IVA. Have finally faced up to the fact I cant live off credit anymore. Told my best mates last week that I would not be going on holiday with them this year as really cannot justify spending money I havent got anymore. They have been grea...

Hi

Was just wondering, when you are in an IVA does it affect other people living at your address?

Thanks so much for all the advice, very glad I found this site.

Up until recently I have been paying rent and bills in cash as I have had to gather the money from different sources, robbing peter to pay paul really. I realise now that to prove my rent in the future I will have to set up a standing order. Does the IVA application process invole alot of meetings o...

Thanks loads for the replies, I have been reading through some old posts and already I feel so much better. Just having people to discuss things with is already a help. I am more concerned about family knowing than anyone else, due to parents health etc. Also may seem like a stupid question but I am...

Hi I am new here, found this site whilst trying to find a solution to my debt mess! Hoping I may get some advice here. Basically I am around £28,000 in debt with various credit cards and loans.I have buried my head in the sand for far too long and unfort I am now in a total mess. I am currently livi...