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My Mum
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Hi
Whilst we are happy to help here you might get better specific advice on the implications of borrowing and whether there is any chance she can redo her budget so she pays less if you ask on the IVA board here - http://forums.moneysavingexpert.com/forumdisplay.php?f=159 its just they are quite complex and I wouldn't want to give you the wrong advice.
I would still have a go with the statement of affairs, at least then you'll have an idea whether she is overspending or has an unworkable budget (perhaps a bit of both I expect).A smile enriches those who receive without making poorer those who giveor "It costs nowt to be nice"0 -
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