Fantastic news Phil, you really deserve it. I've been following your (somewhat twisty-turny) progress whilst keeping a general tab on the forum, and few can surely say they have had as difficult time as you. Any way, albeit I'm concentrating on getting all the required documentation to IVA Advice Bu...

Thank you one and all for your responses thus far, extremely helpful as always. I personally want an account with a cheque book as aside of cash there's no other way of paying for things at the kids school, e.g. uniform, trips, after school activities. From what I can see the Nationwide account is t...

Hi everyone. I've a questions for the experts, if you'd be so kind please (and apologies for any typo's or grammatical errors, I'm trying to cook and type [:D]). My wife and I are in the process of completing an online application for a joint Nationwide FlexAccount, however, within the process it as...

Hi Phil, I'm really pleased to hear you've got the backing of your wife too, and I know what you mean about it being the hardest thing you've ever had to do. That promise is already firmly lodged, I just hope we can get a reasonable arrangement in place to see us through this ... mishap. Hope everyt...

Hello everyone. Well the deed is done, my wife now knows about my position, and albeit somewhat of a surprise I know about hers! Suffice to say we are obviously the soul mates I always thought we were as we are both as bad as each other :-) which actually brings an initial feeling of relief as we ca...

I'm with Phil (swardean) in that I am seriously concerned my marriage won't make it through this turmoil if I tell my wife before I've at least attempted to reach a resolution. From a creditors point of view what affect would that have on my finances! Part of the reason we have separate financial ar...

Hello, I hope someone can help. I've done a first pass of completing the online form(s) on IVA.COM (and my first question would be if this in itself is a good idea?) but have not submitted them to a firm as the forms state I need to enter my wife's earnings al0ong with all allowances (e.g. tax credi...

Ermm ... I found the term on the front page of iva.com. The explanation of a "Quick" IVA is then given once you enter your initial debt details and proceed, though I may have simplified the facts as whilst it gives 25% + fees as the example I think it does subsequently say the amount is dependent on...

Sorry for any confusion, I'm afraid I'm not up-to-date with the terminology yet, nor what level of details may be required for you to help with my questions. "Yes" I was comparing a normal 5 year IVA with the "Quick" IVA, the latter as I understand it is where you pay off 25% of the debt + IP fees a...

Hello,

I was wondering at what point within the IVA process you have to decide if you are going for a Quick or a Traditional IVA? Do you as the individual have to decided or is the choice given as an option by the creditors?

Many thanks.

Thank you each for your prompt and very helpful responses. At the moment to withdraw the money I have to transfer it to my own personal account, which is currently overdrawn and will continue to be when I start the IVA application process, and will then have to withdraw/transfer it from their. Will ...

Hello, I have two online savings accounts, one for each of my children, but which are entirely in my name. The children are not old enough to manage their own accounts, if indeed to have an account in their own name. Each account has in the order of £1200 in it, which has been built up from birthday...