Do you qualify
for an IVA?

Write off up to 70%
Ave write off 45%
Total Debt: £ Income (per M) £ Own home?
Yes
N
o
Creditors: Expenses (per M) £
 HOME  FORUM  FRUGAL   ARTICLES  TV  EVENTS  BLOGS
•Home

Want to do an IVA?
•See if you qualify?
•Ask a Question
•Compare Debt Companies
•What is an IVA?
•Starting an IVA
•The IVA process
•IVA Monthly Payment
•IVA Pros and Cons
•IVA FAQ

Already in an IVA?
•Ask a Question
•Member Blogs
•IVA News
•Aguise
•Insolvency Helpline
•IVA Mediation Hotline

Events
•Debt debates
•Frugal friends

Other Resources
•Creditor Harassment Hotline
•IVA Glossary
•Insolvency Act 1986
•IVA Info Centre
•Expert Advice
•Health Issues
•The Panic zone
 
•IVA Help

IVA TV
•Pre debate
•Post debate
•More...
FORUM
•forum
•register
•search
•faq
•experts

TEMPLATE LETTERS
•Suspend payments
•Token payments
•Write off
•Pro Rata
•Settlement
•More...

ARTICLES
MEDIA ROOM
•Press releases
•Media Coverage
•Stats
•Contact Media Room

OTHER:
•Volunteer Jobs
•IVA.co.uk Awards
•About IVA.co.uk
•Contact us
•Debt Glossary
•IVA.co.uk site index
•Legal
•Terms and conditions

FORUM
  > Browse and post on our forum
Home  |  Profile  |  Register  |  Active Topics  |  Members  |  Search  |  FAQ

Welcome to our Forum, please register if you want to post

 All Forums
 New Questions
 New Questions
 Not happy and I'm confused also

Note: You must be registered in order to post a reply.
To register, click here. Registration is FREE!

Screensize:
UserName:
Password:
Format Mode:
Format: BoldItalicizedUnderlineStrikethrough Align LeftCenteredAlign Right Horizontal Rule Insert HyperlinkInsert EmailInsert Image Insert CodeInsert QuoteInsert List
   
Message:

* HTML is OFF
* Forum Code is ON
Smilies
Smile [:)] Big Smile [:D] Cool [8D] Blush [:I]
Tongue [:P] Evil [):] Wink [;)] Clown [:o)]
Black Eye [B)] Eight Ball [8] Frown [:(] Shy [8)]
Shocked [:0] Angry [:(!] Dead [xx(] Sleepy [|)]
Kisses [:X] Approve [^] Disapprove [V] Question [?]

 
Check here to subscribe to this topic.
   

T O P I C    R E V I E W
kelse Posted - 08 February 2010 : 09:36:53
Right, I have spoken to Grant Thornton and explained that I'm now single etc and I have to go on income support. I was told that my iva isn't just mine, it's a joint one with my ex - I thought you couldn't have a joint iva. So I was asked if my ex could pay the payments himself to which I said probably not the full amount as his i & e will be completely different now too. So I'm being sent 2 i and e forms for us to fill out and she will let me know what happens next.
20   L A T E S T    R E P L I E S    (Newest First)
molly16 Posted - 22 February 2010 : 16:07:58
he will loose out in the end . my son was a baby when me and his dad split, but he saw him till he was about 8 . my ex was living with someone else and making phone calls to me and hanging up , 3 4 o clock am . i got bt to trace the calls and the police got involved . his family were shocked to say the least at the harrassement. my son is 18 on saturday and has not seen his father for 10 years .... he also doesnt want to , he wouldnt give him the time of day . i have such a gorgeous lad , who really looks out for me . i never regret the relationship as i wouldnt have him, but the nasties that went with the splitting up was not good. he took me to court re access , ended up with barristers etc . then he never bothered turning up anyway . good luck hun ..... nail him
kelse Posted - 22 February 2010 : 15:59:02
Thank you for all the support. Well a little update - I'm going to the solicitor this week and will hopefully get an injunction. He's threatened to find a way into the house to get things he wants, is leaving abusive answer messages on my mobile and generally behaving appaulingly. As for the Iva - My ex wants nothing to do with me so I'm going to seperate my Iva from his and my Mum said she should have some funds in april to be able to offer a full and final.
Helen Posted - 15 February 2010 : 09:13:50
Hi kelse, sorry I havent replied to you.

My ex sounds a little like yours... although it was a long time for me. The sad thing is, if he keeps this up then it will destroy any future relationship with the kids.

Stay strong, reassure your young one/s and I'm sure they will be happy confident young people.

Sending you lots of love honey,

xxx
lesley_ Posted - 15 February 2010 : 08:37:39
Kelse that is heartbreaking and must have been hard to listen to. I'm sure you reassured him enough for him to realise he's not a naughty boy but in fact a strong boy and his Mummy loves him forever.

It certainly sounds like you've done the right thing although I can imagine it's not easy no matter what's gone on. Remember we're all here for you Kelse.
kallis3 Posted - 14 February 2010 : 21:54:21
Just caught up with this Kelse - what a horrible thing for your ex to say to him!

You and your kids should be able to build a new and happy life for yourselves without him.
MelanieGiles Posted - 14 February 2010 : 11:13:26
Marital break up is so painful, especially when it involves the little ones. I am sure that all of this is serving to convince you that you have done the right thing by moving on Kelse, and am sure that in time you will recognise this.
Skippy Posted - 14 February 2010 : 10:43:18
Oh Kelse, that's awful. At least he's got you, and he knows how much you love him xxx
kelse Posted - 14 February 2010 : 08:46:49
Thank you all for your kind words. Melanie, I do miss it, but I'm right by the sea now so I can't complain.

Last night I had my eldest (8) sobbing on my lap. He told me (amongst a lot of other things) that he'd heard my ex shouting at me while he was in bed (in the weeks before he left) and said it thought it was because he was a naughty boy. It broke my heart. I asked him why he thought he was a naughty boy and he said that dad told him he was naughty. I'm heartbroken for him. I reassured him and told him he was fab etc and settled him in my bed.

I'm so angry with the ex, how dare he say things like that. I don't even want to associate myself with something like that.
Skippy Posted - 12 February 2010 : 22:11:13
I'm sorry, I've only just caught up with this.

I hope you get things sorted out and the nasty little man gets put firmly in his place. Please keep posting as we're all here to support you xxx
MelanieGiles Posted - 12 February 2010 : 21:55:32
My co-insolvency practitioner comes from the Rhondda valley - in Tonyrefail. It is a lovely place, and I bet you miss the valley a lot.
Julie Posted - 12 February 2010 : 21:50:58
Not too far from me then Kelse
kelse Posted - 12 February 2010 : 21:49:42
In the Rhondda Melanie, I grew up there too.
Julie Posted - 12 February 2010 : 21:39:10
Hi Kelse,

Justy caught up with this sorry

Please keep posting and be assured that we will always support you xx
MelanieGiles Posted - 12 February 2010 : 21:36:17
Where does your Mum actuall live Kelse?
kallis3 Posted - 12 February 2010 : 20:52:47
We're here for you Kelse - any time you need support or a rant or just to offload, you know where we are.
kelse Posted - 12 February 2010 : 20:49:28
Thank you. I feel so tired and emotional with the pregnancy without having him being such a nasty man. Sometimes it's hard to feel strong but I'm trying.
molly16 Posted - 12 February 2010 : 17:50:01
aaahhh hun u realy r having a tough time but it will get better. i have been where u are now, i did go to court but everything turned out for the best ( wel it went all my way and not his !!)its just an emotional rollercoaster, be strong and you will get thru this. #sending a you a big hug
xxx
kelse Posted - 12 February 2010 : 17:45:37
I've got no idea. Things are getting worse though, I just want everything sorted now. I put up with being shouted at down the phone and called a few names (both of which were earlier today). He's threatened me with court over the children and was downright nasty. I just feel really down at the mo.
kallis3 Posted - 12 February 2010 : 06:40:35
I'm sure he'll be in touch once he realises he might have to pay more!

Why can ex's be such pigs at times?
kelse Posted - 12 February 2010 : 05:59:17
Thanks Kallis, I'm hoping to get this all sorted soon too. I've had no contact with the ex since the text - I tried phoning him to try and sort out things with the Iva's but he's not answering. I suppose I'll hear from him when he wants something. Gt did say that they can reduce payments by up to 15% without holding a creditors meeting and if the ex can afford the repayments then he could pay it (as I'll be on benefits and not likely to have much spare) - somehow I don't think he'll be too happy to do that as that would be helping me out but here's to wishful thinking.

IVA Forum | IVA.co.uk © IVA.co.uk Go To Top Of Page
This page was generated in 0.06 seconds. Powered By: Snitz Forums 2000 Version 3.4.06