My parents have bought us tickets to go to Canada to visit my cousin. They know we are in the IVA and cannot afford to go on holiday and this is their treat to us. We are from the UK but are travelling from Dublin to Newfoundland and then travelling up to Nova Scotia. I am concerned that the Canadia...

I have been told i might be getting a small tax rebate, less than £100. Is this looked upon as a windfall which i can keep?

I don't want to get excited about this until i know.

Thanks in advance x

Toolbox i am with the same firm as you and i have to say they have been great with us. We had our creditors meeting just a few weeks ago and thankfully all went well.

I am sure you will have good news in the morning.

PS another NI person here too!

Hi

I am only new to this as out iva was approved just two weeks ago.

When we phoned the day before they were able to tell us that some of the creditors had already voted.

They were waiting for votes from others.

Hope this helps.

Awww i love this post!

I knew i was really a mum when my daughter threw up on me and i was upset that she had gotten messy and never even noticed that i was too! As long as she was well and pretty was all that mattered.

I love being a mummy!

I love the term domestic goddess! It sounds so glamourous LOL!

I work in insurance and live in NI.

Hubby is a taxi driver and strangly he live in NI too lol!

I am only at the start of my IVA and what i miss is the security of it. I am just starting to getting used to paying cash for things and for using my debit card. I look at the cash daily, check what is in and what has to come out. At the moment as we are only starting and we are getting used to this...

Getting the new account was one of the biggest milestones for us.

I was so scared they would say no!

Every little step is so important!

Well done to you for making this step forward xx

Well i was really worried about how it would affect my job so i phoned and spoke to the head of HR anonymously. I told her that we were considering an IVA and asked how the company looks at this and if it would make a difference to my job. I was really shocked at her reaction. The first thing that s...

Sorry Nicola but the salaries are def lower. Which they should not be as the house prices and living cost are just as high as in the rest of the uk.

It is really a massive problem in NI.

The cost of living and the house prices used to be so much less but not anymore.

MBNA was one of my husbands main creditors and they didn't even vote! So they are bound by our IVA.

Good luck for your iva.

N

We had westfield in my last job and they are so lovely. Never any quibbles about it. I always used my full allowence for glasses and dentist and used and osteopath once a month. I paid a little extra to go up to level 3 and it was worth it. My new job has bupa which thankfully i have not had to use ...

So chuffed for you! The relief of getting that yes is just massive!

Enjoy!

Hi when we got our proposal through i nearly fainted. It all looks so official, there are so many pages and with it being an interlocking one then there is two of everything. Both hubby and i had massive panics. But we sat down, read it all through and then phoned the ip for clarification and felt a...