It may bring in to question the motivation for fostering. Horrible as it may sound and I mean no offence. Not sure anyone ever got rich fostering but everything is looked at very closely. You would need to disclose it so maybe an informal chat just now to see what they think will prevent a failed ap...

A certain company told us that we were more likely to make a fraudulent claim because of our insolvency.
They were told to bolt and we went elsewhere.

Dont want to name them...........



But they were nfu mutual!!!


Paul

Seem to remember any time we saved up something went wrong and boom went the savings. Wise to be apprehensive about entering an IVA, it's a massive decision to make and isnt for everyone. Good that you are asking questions before deciding, so many people only ask question after they have committed t...

I don't think I have credit with any past creditor (bit difficult to remember who is alied to who these days), but I have had no problems getting modest credit from several companies since my credit files cleared. Thanks for the answer Foggy. I think I was specifically interested in AMEX, I found t...

Wont be an easy journey,its not meant to be. Nor is it meant to punish.

Good luck on the rollercoaster to debt freedom.

Paul

So many scams going round.

As mentioned if it seems too good to be true its probably a scam.

Paul

Good afternoon, I have only 3 more payment left on my IVA but I was made redundant at the end of August and since have been ill .I have a skin problems which I have been to my doctor and hospital.I am unable to walk far and the job centre has let me have phone interview with them instead of me tryi...

As mentioned people need to always remember that they owe the full amount of their debts right up to the end of the iva. Only then is any portion written off.

Inheritances often bring up the same issues during an iva.

Paul

You are allowed to be worried as its a massive decision that shouldnt be taken on lightly. What you shouldnt be is worried that its the wrong choice for your circumstances. You should also have a good understanding of whats going on. Thats where this place comes into its own!! Dont think there is an...

It gets easier over time. Try if possible to save up a little emergency kitty (not always possible).

The envelopes idea is great if you can control the urge to borrow from them if you are short one month!

Best of luck.

Paul

Well done on the pay rise.

Not had a meaningful one in over a decade!!

This should have been discussed before starting the iva. Pity.

Paul

Given the number of firms which get sold on I can imagine it not being as easy as a quick phone call in some cases.

Paul

I would ask them to review what you have as available income and make sure your figures left little spare!!! Bit of a scam that you have to pay half of what your payment was, clearly you wouldnt have had to if hubbys creditors didnt insist on 7 years. Did you expect this from the start, was it expla...

Sounds like they are struggling to keep up with the increase in cases. I assume you mean they cannot read the photos? Are they asking you to resubmit them?

Paul