Hi Michael
Thank for this info - its exactly as i thought anyway - but i havent really put the advisor over it again - once i do that i will let you know the company as i would rather not say in public at the minute.
Thanks
again

thanks for the response Foggy
I am going to raise this with my advisor again as i cant see it being correct!

Can anyone PLEASE give any advice! thanks

Hi all I havent been on here for a while but have been "luking" and keeping upto date with everyones progress - it is amazing the support and encouragement that is on this forum!!!! I am at the stage of getting my proposal back from my IVA company but am a little concerned about the inheritance Q......

Hi All Thanks for the replies Mel- i can rent for the same amount as my interst only mortgage. I have already asked our provider to extend the interst only period and they can only do this for another 6 months[:(!] everyone else........ if we sell the house before entering into the IVA and we made a...

Me again[:I] I am still dithering what to do but have been speaking to one of the companies and am onthe verge of going for an IVA but i have had a problem arise today. Our mortgage was on interest only for last 12 months and they have now said it is reverting back to normal payments. Basically this...

Thanks Mel - The HMRC total ( according to their estimates) is around 10% of the total debt.
because of this would they not be obliged to abide by the majority vote and accept the IVA?
Could i go ahead with the IVA and then add on the HMRC bill once i had the returns complete?

Thanks again.....should i let the HMRC know that i am considering an IVA and ask to make an appointment to sort out the outstanding returns? What would they need to see to do this - bank statements etc? Would i complete this at home and then go an see them? sorry for seeming so stupid but i am reall...

thanks michael. waht about the one that a determination has been reached on - does this mean they are going to try and take us to court for that ammount - could i not get it included in an iva nad ask them to hold fire on the remainder? I am embarresed about going to my accountant ref this as he is ...

its me again with another silly question[:I] I was self employed up to end of last year and have some tax returns outstanding. I am now employed F/T.One of them has a determination raised and they are looking at commencing enforecement action.[:(] I have not been able to get my accountant to do any ...

brilliant - thanks Michael

thanks Michael
Would you have to show the bank statements from this account as part of your annual review etc or would you just show the main bank account that you are using for your salary etc to be paid into and DD paid out of?

thanks guys - if there is any more advice please feel free to add.

CONGRATULATIONS!!!! Raise a wee glass to you later.
How did the Northern Vote - what was your dividend?
Well done again

Hi all I am considering and IVA at moment and i have a bank account that i rarely use - it does not show up on any CRA report and is not connected to any of my creditors. I would not be using it for my main account and it would just be for "stashing" a bit of spare cash for a rainy day( if i am luck...