I have been turned down recently for a few jobs at application stage as well, I know this is totally down to the IVA. My big concern here what happens if i lose my current job and can't get another because of this. I work in the call centre industry and most jobs are financial. I Really worry about ...

thanks guys...

thanks Tina, i'll try that... I really wish I had shopped around for another Company, this is just getting harder and harder and its only 13 months in... i'll see what they say about the quote.

This Happened in Feb as Well the coil went in my car, i had to pay out the 400 and then claim it from my March Payment, i still havent caught up from this cos i was having to borrow from my mum to live.

Thanks again,
Im really terified...
On another note, my car needs new tyres and i have told them this, but to get any help through a payment break i have to get the tyres and send in the receipt first. if i had the money I would'nt have asked. guess i'm not getting any tyres...

Hi Michael and thanks,

No approach from anyone else, so no worries there!

this might be a silly question, but how do i make an appointment? i'm with Freeman Jones and dont have any direct contact with the IP.

OK, here goes... i have posted in regards to some of these concerns. 1.When we started i was covering Maternity leave and recieving acting up pay, this was the amount calculated for our contribution. I Went back on to my normal salary in September and now i have to do overtime to earn the additional...

is there anywhere that you can get independent help and advice on your IVA. I have serious concerns over a few matter with mine. To be honest a was really desperate when i took this out and didnt think through properly. I Would like to be able to go through it all with someone who knows what there t...

I'm with Freeman Jones, I sent them a copy of the Letter i recieved from my employer in September when my Salary was reduced, i did tell them on applying that this salary was only Temporary. I sent them the letter in September showing that my rate of pay had reduced again and also had a conversation...

when i started I was covering for someones Maternity leave which meant an upgrade in my Salary this finished in September and I lost around 200 per month in my Basic pay, although i still get overtime which makes my Monthly up to the basic on the upgraded net take home originally provided. Should th...

I'm Waiting for my 12mth review IVA started 1st March 2010. This Seems to be a bit late through and i'm terrified. when i started I was covering Maternity leave which meant an upgrade in my Salary this finished in September and I lost around 200 per month in my Basic pay, although i still get overti...

I think it is more about what you can afford to pay back rather than the dividend at the end of the day. bearing in mind that the monthly payment may well go up over the years anyway thus increasing the dividend anyway. So long as your offering the best you can afford, trust your IP. I doubt very m...

Cheers Jan, much Appreciated i'll give it a go. x

I'll look into it, although my IVA is with Freeman Jones and i dont want to rock the boat in anyway. They Terrify me!

And I... Wish i had known this would have saved me 20 quid a month..