we had to get valuation on house , estate agent came round , put it in writing for us ... as no one willing to remortgage, creditors agreed to a 6th year in lieu of the equity . we were supposed to release £27800 , but our payments continue at £539.

hiya , i get tax credits... working childrens tax !so the money i recieve is offset against what i pay out for childcare. sadly not entitled to anything less. You should let your ip know as it is an income, and as they are renewed every 12 months , they can keep ontop of that . Throughout my iva my ...

nice 1 orange , cant remeber when our valuation was , it was recent but we had 40 k equity ( ex council property, paid £80, now worth £120k)it was agreed for yr 6 in the spring of this yr . cant believe when we started my baby was only a few months old , now shes all grown up and school ! time flies

many thanks ! i cant believe we have got this far ! im like a cat on bricks at the minute waiting for our 5th yr review stuff to come back !

There was some woman on tv a while ago yakking on about xmas and pressies . she said when ur kids write their xmas lists tell them they can only have 1 item off thier list as santa has to buy for so many kids ..... then go to poundland and buy loads of bits as all kids are interested in are opening ...

we have just entered month 61 ..... our 5th yr review has been done just waiitng to hear from them ! we are doing yr 6 in lieu of equity

By my little avatar thing .... it says iva complete[:D]
i wish ..... how do i change it ? i have paid 60 payments but we have just entered into yr 6, iva completes nxt yr .... im not a very technical person !

i recently told him bout our iva !! in hope he wont go down the credit route , i only chg him for washing really , as he will take little ones out and treat them to macdonalds ! if hes home for a week i do ask him to contribute to gas and elec as i pay by meter ! he may pop a tenner on it ! it all h...

intresting thread ! originally our budget for food was set at £500 ( started iva 2005 ) i included baby formula milk as a seperate amount at that time . our food allowance is now £600 we are a family of 6 !! although my son in army(2008 he joined) , comes home weekends and eats his way thru contents...

HI every one , Can anyone suggest a bank other than the CO OP for a basic account whilst in the ivA ? we have just started year 6 . the coop has bounced two direct debits this week at a cost of £19.50 each .... reason : the cleared funds were not in the day before the direct debits were claimed !! m...

we have been with o2 throughout , and my contract is £25 pm but in dec we can drop it to £15 pm as we have been with them abut 10 years . just had a blackberry on my upgrade . my husband had my sons iphone on payg as he wanted some new handset . he offered it to me but unfortunately i cant use them ...

for some reason i feeling really positive !!! dont know why cos ive got chest infection

its a tough decision to make but the best we did . we had the fear at the start re creditors meeting , we had massive debt , over 100k and something we are ashamed off . however we are going into yr 6 as couldnt eqiuty release . it has been the quickest 5 years of my life so far ! yes there have bee...

yip , mine has been extended to yr 6 as not able to release equity !! the creditors ll agreed to the orignal sum of £539 so thats what we pay til the end although my iva company said we will do 1 last review at end of yr 5 .... very soon

not a chance northern rock .... my husband is planning for us to do this in the next 3 years and i reckin we will need a good 2 years out of the iva before we apply , and hopefully we will be able to save .... a word i never thought i would hear myself use !!! but we pay £539 p/m and that amount has...