My partner and myself both have ivas with CF, my OH received this letter today but I havent yet. That got me thinking... Was the MVM held for all previous PJG or can CF choose only people with certain creditors for the MVM as they know that those creditors were likely to agree to these variations, m...

Thanks for all the replies,however its not the IVA part that concerns me as I know exactly what could happen near the end of the IVA. Its the 25% cash value of the house (Barretts Dreamstart scheme) that comes into play around the same time as the IVA may finish that I was querying with you guys in ...

Thanks BOL, I have already asked our IP who is looking into this for us, Im just impatient and curious if anyone else has had this situation.This is classed as s secure loan so come 5 years they will want there share. Im trying to contact them regarding the what ifs/worse cases so hopefully will get...

Has anyone had dealings with this kind of security over a property in the past,we are 5 years into this agreement and its occurred to us that if our iva is required to be extended in anyway it takes us over the period thats left for us to pay the security back. We have only just entered the IVA and ...

Mel, I work as a assistant buyer but my t+cs are from a previous role and I got to keep as I was tuped into this role. The company I work for are undergoing a massive exercise on a group level as we have many differing t+cs with the group as we have many differing clients (MOD been one). Im hoping t...

Morning All. My current T+Cs allow me to be in a IVA and I cleared this with a HR person, Ive just found out though that we are to be moved onto a new contract which has a provision that basically states that any IVAs/Bankrupty could lead to instant dismassal. Now unfortunatly the HR person has left...

Yes Melanie she is currently with yourselves and in good hands may I add. Were abit gutted that this is seen as a asset as weve seen people on here with exactly the same circumstances and been told that as it wages its the 10/50/50 but thats a discussion I need to have with our supervisor and not on...

My partner works for a local authority and she has spent the past 2 years waiting for them to carrying out a review of her job due to equal pay claims. They have now offered her Backdated pay (£15000) with additional compensation + interest (£3500), in total £18500 after tax and NI. This money is...

I thought it was strange when advised not to do anything when I received the initial papers. But now im more worried as they have advised me not to do anything after receiving the judgement by default. Will contact them first thing Tuesday for clarification as the last thing I need at the moment is ...

Evening All, Quick question I recently received the blue claim form from Northampton County Court and was advised by my IVA rep that I didnt need to fill this out and too leave alone as im due to get my proposal shortly and my IVA should be agreed before any action taken. I did this and now I have r...

Thanks for the replies, were talking bout £3000-£5000 which at the moment would come in very handy for getting the jobs around the house done. Mel if I was to pay it into the iva would it be the full amount or is that dependant on what the proposal would say.again thanks for your time

Currently in the early stages of an IVA collecting paperwork and I may be entitled to some backdated money from work in a lump sum. My question is do I have to declare this to the creditors if I havent had my iva approved yet.any advice welcome

Hi there, We are currently getting our paperwork together in order to go into an IVA but come December our car lease agreement ends with a balloon payment of £3500. I have spoken to the finance company asking if they would consider extending this agreement until the full payment has been made and th...

Hi There, Can anyone advise whats the general feeling in claiming back PPI whilst currently been in the process of an IVA. Im aware if I did claim then money received would have to go in the iva pot (as such) but surely that would just help reduce the amount I owe. Or would the creditors see it diff...