thanks both, I was hoping it would go along those lines - I'll check in with my IVA company when I get the offer but its good to hear you both had similar experiences. Out of interest what sort of difference did you see with your take home pay when you went with the company car option - struggling t...

hi all Just wanted to hear of anyone's experiences that had moved into a company car scheme during an iva. I got a new job just after my IVA was approved last year and I seem to be doing ok as there are talks of promotion in the not too distant future. The promotion involves an increase in travel (f...

Hi Ray It will mainly depend on the level of clearance you are required to take but I know the 'ahem' security service departments will not take the likes of us on until the IVA/BR is closed. Anything up to SC you should get through absolutely fine - I got SC last year but it did take 6 months becau...

keep strong Lem - not long until the meeting. There's no way Egg can get a charging order done in that time - your IP can block the application even if they tried to so there's nothing to get wound up about )

hi stuart - as the others have said - you need to sit down and seperate your unsecured debts over your secured debt and priority payments ... I spent nearly a year struggling to pay my mortgage over credit card debt ... I even started to take cash out on the cards to pay the mortgage which was madne...

hi flumpy dog - you're right, CTC check doesn't go into finances but the sergeant/police force may do a credit check separately - for CTC you tend to fill sections of the same form that you do for SC clearance that's all. You obviously need to be open and honest but I wouldn't go out of your way to ...

Is this an interlocking IVA or is it just yours Tracey? I don't see why you OH should be penalised for starting a pension if he is not in an IVA - I can appreciate his earnings need to be taken into account within the I&E but surely that's where the 'intervention' into what his net wages are stops?

Scare tactics on the part of the debt collector I suggest - if the IVA is viable then bankruptcy proceedings can be blocked by your IP anyway. Keep a note of all the calls and visits also incase it turns into harrassment.

The 10% then 50/50 split tends to appear in most recent IVA proposals regarding bonuses and overtime - but that's only valid when you're actually in an IVA, not proposing one. A windfall (which is what a tax rebate is classed as I believe) has to be handed over in full if it is over £500 - again thi...

hi winter_blues What was the reason for omitting it? if it was a genuine mistake then I'm sure your IP will be understanding. As the debt was accumulated prior to you iva you may be able to include it in your arrangement - but it may well affect your final dividend - best thing to do is talk it thro...

hi jayne
your credit file may show you are in a payment arrangement with your creditor(s) so effectively the answer is yes.

Who do you bank with brian?
I'm with co-op and their basic account is a visa debit card so works fine on all online websites.

halifax are obviously part of the Bank of Scotland (HBOS) but i would imagine what they are saying is that they will take money from other accounts you have with halifax. Do you have a savings account for example? It's quite possibly a standard letter as I got one very similar - i had a credit card ...

i'd imagine this is the action you can take to stop/delay a creditor getting a ccj applied against you while you pursue an IVA proposal. If you're in debt then its a good thing ... so not sure if that applies here or if you're a creditor waiting to get at a debtor? I dont know the legalities but I w...

Hi christabelle_sparkle First things first - don't think that you're alone - we're all here to help out where we can. You will probably have to elaborate on your situation for one of the professionals to try and assist so a general precis of your debts, iva terms etc will be a good starting point. D...