Hi Ryan,

Would you be able to contact me at online@payplan.com with your client ID as I would like to help?

Once I've received it, ill look into your case and keep you informed.

Thank you

I am sorry to hear about your split and I can only echo what has been said so far... you need to speak to your IP as soon as you can and explain what has happened. You also need to speak to your mortgage company and try to come to some arrangement to pay back the arrears.

Let us know how you get on.

It's not sneaky! Some clients have very tight budgets to begin with so if they suddenly have a little bit more then we can allow for them to have that little bit more to make month to month living a little more comfortable. Obviously all within reason! I have doubled checked with one of our IP's and...

As Jan said, you would be asked to pay that into you IVA. At Payplan we can look into offsetting theses funds elsewhere in your budget it needed.

Yes of course you can. If the payments change then you need to notify your IP so that they can make any necessary changes in your expenditure.

If you don't have any balance on them then, as Jan has said, cut them up!

Due to the current housing market it is getting harder to estimate how much a house will sell for. We prefer to wait until we get confirmation of all debts before proceeding with an IVA as should the estimated level of debt increase by more than the percentage allowed in the proposals or modified it...

kallis, it usually depends on the circumstances surrounding the case. As a rule, if the house is on the market we would wait until it is sold. The main reason being we need to know the exact amount owing in order to put this in the proposals. There can be a certain percentage allowance either way, i...

I know you won't be able to get it all, but have to tried Freecycle in your area? The one aroudn me had some camping stuff a couple of weeks ago.

As a rule we do need to know the amount of the shortfall to allow us to put this in your IVA proposals. As it is now an unsecured debt we require proof of it along with your other unsecured debts. If the house is already sold etc... then you should call your mortgage lender and they should be able t...

Well I have tried to chase it up and the IP's are also a bit confused. I am hoping the client contacts me so I can look into this.

I would say that if you have a mortgage shortfall then it must be paid back, if it before the IVA then it will be included, if not then you must come to an arrangement with the lender. Purpleash22 if you are still around could you possibly email me so that I can look into your case. My email address...

Some IVA's have claus to say that if you cannot raise the equity, you will make an additional 12 payments into the IVA. Meaning it will last 6 years instead of 5. Double check your chairmans report to see if it is in their, otherwise double check it with you IP.

Poor man! It can sometimes take a while for the IVA to be passed down to the people who actually need to know. I would have thought that it would have for you by now. Worth letting your case officer know.

So sorry to hear about your father.
Yes, you should definately speak to your IP and explain the sitation. I can't see any reason why he would have any problems with that.