www.iva.co.uk

i am going to enter into the iva process tomorrow, will it matter what the money i borrowed and now cant repay was for, do i have to say or give proof of what it was used for

Don't worry - I borrowed for holidays and cars and clothes!

Visit www.iva.com for a list of companies and reviews if you are struggling. Give one or two a ring and you will receive free and impartial advice as to all the options open to you.

I'm still at the stage of sending paperwork to get it up and running and at no time have I been asked what it was for....only for a background statement of how we got into debt. For us it goes back years and has some roots in redundancies and also things that have gone wrong over the years. My sis was holidays too, so there is no prejudice about it. don't worry hun

No. Thank God... even irresponsible shopaholics like me deserve a chance to get back on our feet. Good luck with the rest of the process and keep asking any questions.