i and e on review

[james.c]

My first year review is in February the same month my twins will be due, I can now tell you they will be identical girls.

Question for the experts - for the extra expense does it sound reasonable to put on my expenditure £176 to cover the cost of the two babies?

Regards

J


no matter how bad money gets, theirs stll alot more important things in life

[aguise]

Gosh dont know about the expenditure, but you must be thrilled to find you have two wonderful little girls on the way, great news..

Ang

Please visit my blog at http://aguise.blogs.iva.co.uk/

[MelanieGiles]

Great news James. With all those ladies in your life you will never be able to get into the bathroom for longer than 10 mins!

If you have worked out that your expenditure will increase by £176 and can justify this to creditors, then I am sure this will be acceptable. Current CCCS guidelines indicate that you ought to be allowed £75 extra for each child for housekeeping, £12 per child for clothing and footwearand £10 per child for sundries and emergencies, so using this matrix you ought to be able to justify £194, however how is this going to affect your ability to make your payments?

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

[Adam Davies]

Hi James
Just wanted to say hello and to say that I'm so pleased for you.
Put the expense down as Melanie has advised
Regards

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

[james.c]

Hi Andy/melaine

I currently pay £349 a month in to my iva, since starting my IVA i have had pay rises, that come out after tax £176 a month. I have informed my ip of payrsses but been told not to worry about till annual review.

Me and my partner have spoke about this and her current mortagage rate is fixed till sept 2008, were she is going to give me 10k on the bases that it ens the IVA early, this is worked out how much i pay a month less 1k a year for a final settlement, i am tempted to put melaines figures in. but this would reduce what i would pay a month and i dont want to jeoporsdie my iva for the sake of about 8 months.

Regards

James

no matter how bad money gets, theirs stll alot more important things in life

[MelanieGiles]

But use my figures as a guideline so that they can see that £176 is a very reasonable figure.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp

See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp

[emma_t]

Wow James how excited you must be!![:D]
Congratulations!!
....At least the twins are the same sex and can share a lot of clothes.

Good luck

Emma

[neil277]

Hi

Reply to James C.

Only this week a man who gave his sperm to two lesbian women who could have a two children has to pay the C.S.A 420.00 for two children, so if the Government state this is the cost, then if I'm right you can argue your case in any court.

Regards.

Neil

[mikebdomain]

Congratulations! On the news of the twins, how lovely...

FREE ADVICE IS THE BEST ADVICE

LEYBRIDGE LIMITED
Whole of Market Mortgage Broker & Mortgage packager
Specialising in adverse credit.

Directly Authorised Firm FSA No:313790

CeMAP 1,2 & 3 qualified
F.P.C 1,2 & 3 qualified
Financial Planning Certificate
Certificate in Regulated Customer Care
Certificate in Regulated General Insurance
Associate of the Charted Insurance Institute

see feedback and testimonials at:
http://www.leybridge.com/testimonial.php
Check out my blog at:
http://mikebdomain.blogs.iva.co.uk/
Please read our Initial Disclosure Document(IDD):
http://www.leybridge.com/Leybridge-IDD.pdf