I've not had a payment break yet. But the problem with this is I can't get the boiler fixed straight away! I would have to have the break for 3 months say and could only then get the boiler fixed after this time. Its a nightmare at the minute as I have no hot water or heating so washing up and dryin...

Any advice on this situation?? Out boiler has broken [:(] . We don't have any savings to get it fixed, or get a new one. I have a IVA my partner doesn't but he can't afford a new boiler on his own So option one is get one through gas supplier at a APR rate of around 30% - would the IVA allow this? a...

Just wondered if anyone could clear up my marriage query - I've read somethings online but wanted to clear it up a bit. So I'm just a year into my IVA, I live with my long term partner and have done since I started the IVA. He is nothing to do with my IVA. We split all the bills in half which is ref...

Hi, But remember this with the IVA you are getting a massive second chance to get your life back, ok it takes 5 years but at the end you can have the satisfaction knowing that you have paid at least something back to your creditors - after all we borrowed and spent it and your budgeting skills will...

Thats what i thought! I'm only just into my IVA bu a few months so wasn't sure what happened on your reviews etc - thought if they only looked at a few months wage slips and bank statements it would be easy to hide!!! Deep down I knew there would be a way they checked!!! And of course I'm chuffed as...

I have just been told I'm going to get a Christmas bonus. I know that this should be declared and half sent towards the IVA

I obviously could really do with keeping all this money!!! How would they know what bonus I got? Could i declare less?

Thanks

Thanks. DD is cancelled I've checked several times.

I was so looking forward to some things becoming easier! hopfully it will be soon.

£466 is a lot of money to have missing!!!

thanks again

L

I opened a new account with Natwest before all the IVA went through. And all my direct debits got transferred over. Partly my fault i guess but when the IVA was approved DFD said i didn't need to do anything so i forgot to cancel the DD - hence why they took it on the 1st Oct, i obviously didn't can...

Hi All - long post be warned I got my IVA approved on 24th September - great news eh? Its not started off well and I'm stressed/worried! i had a loan with HSBC which is part of the IVA - on the 1st Ocotber the took the loan payment from new bank account. So i contacted DFD he said they would send a ...

So if i was left say £500 - more than likely it would go into the IVA? And what happens if i was left shares in companies (I know 1 Grandma has shares) - would i be made to sell these and give the monies to the IVA? Just want to be clear - I understand its only fair to do it- If one of family does p...

Thanks guys!! It really is my only option and I think i ready for it now. And like you sll sat 5 years will pass quite quick!!! I'm looking forward to budgetting actually and learning to handle my money better!!! Still waiting to hear back about the meeting date so fingers crossed it all goes throug...

Can anyone help answer this question? I have asked DFD who are helping with my IVA but they couldn't give a proper answer.

If say for example my Grandma died and left me some money in her will - would the full amunt be expected to go towards the IVA?

Thanks

L

I'm new to this forum - and I've just signed all my papers ready to send back to DFD and hopefully start my IVA - the question that keeps popping into my mind now is 'Am i doing the right thing?'!! I know its by best option, or only option but its just hitting me now that for 6 years I'm stuck with ...