Hi guys, long time no post! I have been in an IVA since 23 March 2009 and have had nothin but bad luck ever since with flatmates letting me down etc. I have currently got no flatmate and am struggling. I do however have a bonus potentially coming at the end of this month and have been advised by som...

Ok Great thanks Andy...would i need to set up a legal agreement with the family memeber loaning it to me...to prove it is going to be paid back etc?

Hi all! I have two queries. 1. I have currently no flatmate to share my property with me and am struggling to find anyone suitable. I am currently on a payment break. There is a possibility that my family MAY be able to help me, either by loaning me a largish sum of money to see me through the next ...

Hi guys. I have just awoken and picked up my mail to see the instantly recognisable envelope of MBNA!! I have been in my IVA now for nearly 2 months and these guys are the only ones who dont know how to leave me alone! The letter is a 'Notice of Sums in Arrears', and it states i owe 109.42 immediate...

I will seek clarification tomorrow...

Or anyone else for that matter!!

Ok I will dig out the proposals. Would you like me to let you see them? What would your advice be to me in my situation, as believe me i dont want be reliant or assuming of such a clause anyway, i just want to know what my options potentially would be, i guess bancruptcy would be suggested but then ...

Melanie, maybe i got this wrong...i meant payment holidays (is that what you thought i meant?)

Yes but the only issue with that is i am being a worrier! What happens if come the last week of June i still have no-one? Would they allow me to defer a couple more? Surely it cant be that hard to find someone!?

HI, please can someone give me some sound advice? I recently started my IVA and now my problems have really started! I am in a situation where my flatmate moved out at short notice and obviously at this point my IVA had started, so now my I&E has completely changed. I am now struggling to get someon...

So what does that mean?

Yes because surely if it was a loan i would have had a credit check, and we all know how that would have gone!!

Ok thanks, so should i sign the agreement and send it back?

Hi Melanie, is this the case?

Thanks Melanie! I was worried then.