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1p Challenge - ClassicYear 20261p Challenge - ReversedYear 20261p Challenges - December to NovemberYear 26/27. Great for saving for Christmas1p Challenges - December to November - ReversedYear 26/27. Great for saving for Christmas1p Challenge - RandomYear 2026
Hi, Does anyone have a link to a budget calculator? I am talking about the one that step change did where it lists all the things you can budget for and how much you are allowed for each item. Does this still exist? Thank you.
HI all I have received some great advice so far which I'm grateful for, and wondering if I can have some more please :) On a previous thread I asked about early settlement of an IVA. At the time I had no idea of what the required settlement would be, or how much the creditors hoped to get paid over the life of the IVA. I…
Hi all. I have been recommended an Iva by both pay plan and step change and am just waiting for my phone call on Monday coming from their iva team to see if I can proceed. I'm terrified, full of self loathing and to be honest, still desperately trying to think of another way, which is looking hopeless. I've been doing a…
I see a lot of people on here having to pay for 6 years instead of 5 years for their IVA. Why does this happen? Also my iva docs state my IVAs is for 5 years can they make me pay for 6?
Hello I am at a real loss. So hoping someone can advise? My DRO ended in March and my circumstances hadn't changed so all debts were discharged. 1 Creditor has continued to pursue me for the debt, selling the debt to collection agencies - who i explain hey this was in my DRO, there is no debt to collect, so i presume they…
Hi forumers, After the realisation that I'm struggling with debt, I completed the remedy tool on Stepchange and it recommended a DRO. I have looked into this and it does seem to be my best option. However, the only "issue" is my car value. The car itself is difficult to price. The model would be worth over £1000 but it has…
Hi There I have an IVA which started in Dec 2012 for 60 months at £175 per month. It ends in Nov 2017. I have paid each month faithfully and the amount I pay each month has never changed because nothing has changed in my circumstances. My original debt was £18,621.70 and they agreed I would pay back £10,500. I have…
Hi all, I have just completed the valuation and attempt to remortgage that i was meant to in the final year. My mortgage applications have been rejected and i have had confirmation via email from my IP that the IVA will continue now for an additional 12 months. My question is..is the restriction on my property now taken…
Hello all, I am after some urgent advice please. I currently have debt in my name to the approximate value of £21 k. Ideally I'd like to avoid bankruptcy especially as the limit for debt relief orders has now been increased. One of my plans for getting the debt below £20k is to put all food shopping and petrol on a credit…
