Hi James, Thank you for your speedy response. My parents will probably pay for the car out of their bank account, but will expect me to give them the cash each month to cover the payments. I am concerned that currently I am not in a position to pay anything towards a car, and wondered whether or not...

Hello, PLease help....I am currently in an IVA which has been running smoothly for over a year now, however my 10 year old car has just died and the garage has told me that it will cost more to fix that it is actually worth. My parents may be willing to finance a second hand one for me but I have no...

We had our IVA finally accepted today, as it was unfortunatley deferred for 2 weeks as the Northern Rock were trying to add some variations. It came back that there were no variations in the end and so it was a great relief. However we have agreed to 72 months because NR was such a large creditor bu...

Thanx for that Michael.

If once on an IVA and after a few months in I managed to find for example cheaper car insurance and could save £10 pm on this. Would this be taken off me at my at my first review? How does this review work, what do the I.P's want to see?[8)]

Hello, I am a fairly new member and have been regularly reading all the posts with interest. My hubby and I have just sent all our paperwork off to Melanie and her team however in the last few days we have added a life policy monthly allowance to our expediture list and just found out that our child...

I have been quoted £25 for pets and i have 2 dogs (1 that has a medical condition and cost £32 per month for heart tablets), snake and 2 lizards. £495 for house keeping which they say i must include: Sky - £35 (which I know is a luxury) Food, toiletries & cleaning - £400 School meal - £64 (2 childre...

Thanks for all you advice. I am pleased with the service so far just a little concerned about the expediture figures they have proposed. It doesn't seem much to live on. I wondered if I could get some example's of what allowances are realistic.

Hi I have been discussing doing an IVA with Payplan, who seem very helpful, however after reading some of the topics on this forum I am not sure whether to go with them or another IP. It sounds as though they may not fight my corner or negotiate enough... can anyone advise please.[?]

If i decided to apply for an IVA (payplan)at what point before it is all agreed could i change my mind? Parents may be able to assist but this is not definate. Payplan said it would all take around 12 weeks to set up.