please could you set us straight

[kev.k]

hello i started an iva this year and i did not put one of my catalogues in as it was a zero balance.
would i be allowed to order from it and pay as soon as the bill comes in? and could we do as a buy now pay six months and save up the money for then.
and would i get in trouble for this it is not direct debit just giro slips please could you set us straight as ive heard and read many things thanks.a worried mum

[aguise]

Hi there kev.k
I have seen arecent post and it is fine to order and pay on receipt for goods as long as you pay and keep a zero balance, as for the buy now pay in six months that may be different I would think you would be credit checked and would not pass anyway. The best thing to do is call your company and ask for their opinion that way you will do nothing to jeopardise your iva.

Ang

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

[sonyse2t5]

Speak to you IP as your expenditures on cards are recorded on the credit ref agency. There maybe a clause in your IVA to say all cards be cancelled or returned.

[MelanieGiles]

So long as you can pay the bill in full when it is due, I cannot see a problem with this personally, so long as you keep the spending to a modest limit - say £100. But your own IP may have different views so check with them first.

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

[kev.k]

hello again just another question.
i've just been signed off work with depression
would they allow us to make smaller repayments due to the run up to christmas.we pay 433 month.
we would of course make up the money i just can't let my four children have a bad christmas again please could i have your opinions thanks.

[MelanieGiles]

You will need to ask your IP this - but suggest that you don't mention this is due to Christmas. Are you going to receive lower salary whilst you are off sick?

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

[kev.k]

hi again just another question my husband and i spend about £20.00 each topping up our phones each month i have looked into pay monthly phones as these would be cheaper what do you think as it would be saving us money.thanks a confused person.

[aguise]

Hi there
If you are pay as you go then you may find it difficult to get a contrract phone as they tend to be credit checked.

Ang

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