Additional Card Holder and IVA

[kallis3]

Well done Ronald.

Finally, finally over for you then.

[Shining]

Great news Ronald, must be a lovely feeling

[MRBLUESKY]

thanks jan and lesley ,it arrived 6 weeks after my iva was completed ,i feel rich beyond my wildest dreams,can,t wait for pay day next week.[:)]

[Shining]

it'll all be yours Ronald, spend it wisely after treating yourself x

[MRBLUESKY]

from now on i wont be spending i,ll be saving.*x

[kallis3]

I fully intend to spend once I have finished - but only within my means.

[country girl]

Conratulions Ronald, it must be a lovely feeling. Enjoy your new found freedom.

Linda x

[Skippy]

I'll be doing the same! After I've made my last IPA payment next year I'll be having a bit of a splurge. After that the plan is to save half and spend half...

[Shining]

You've got to have a splurge Skippy and Ronald remember you can't take it with you. I like Jan intend to spend within my means. Hopefully I will have restructured my finances and come far enough along the journey to know I can't spend other peoples money only my own and that is what I will do.

[Shining]

You enjoy LadyH it's been a long haul. x

[Skippy]

As I'm the only one who is bankrupt I won't have that problem Ladyh - it'll be mine, all mine!

You're right about not being able to take it with you Lesley - my uncle and aunt are loaded but won't spend any of the money to make themselves more comfortable. Even when the microwave packed up it was a big issue and she was wondering whether she would be able to replace it!

[thefsg]

I'm in an IVA but have a company American Express card that is paid for by the company and I submit an expense claim to verify the expenditure.

As Amex is not universally accepted I also have a Barclaycard as an additional cardholder on my wife's account (who is not under an IVA), so I can pay for reclaimable business expenses where I cannot pay by Amex. She pays the bill in full each month, which isn't a problem as any expenditure is reimbursed by my company by the time she has to pay.

My IP knows about both of these arrangements. I did get the additional card on my wife's account when I knew I was going to go into some sort of debt management arrangement (i.e the IVA) so I don't know whether the card company refuses to issue a card to someone on an IVA - probably not.

[Michael Peoples]

You are right LadyH. Thefsg's wife could add any number of additional cardholders and Barclaycard do not care as she is responsible for the debts.

[MRBLUESKY]

thanks for your kind support ,i will spend a little and save alot for a rainy day,ive always took one day at a time to manage my debts, now i am going to take one day at a time to live beyond my wildest dreams,and saving will help me reach my goals,i wish you all the best of health and a debt free future.[:)][:D][8D][;)].xxx

[kallis3]

I'm looking forward to a nice exotic holiday at the end of mine!