They were using it as a normal expenditure for the first 2 years of my IVA. Now the new C.O. has taken it off my expendture. So to compensate for that he deducted it off my net wage. I don't understand what the difference is?. It means i pay it all the same and it is taken into account within my IVA...

Payplan have recently changed my C.O. Since January i have had a letter every month threatening that my IVA will fail if i don't make an additional payment based on extra earnings from Overtime and Shift Allowance. This is an issue because i make the payments on the very day i get payed (24th) each ...

Well basically i looked into the worse providers and Talktalk were top, with BT Second, followed by Sky and then Virgin!!...02 Came top for customer satisfaction and reliability. Talk talk continually tell me that i can get 10mb through my phone line. Its ok for a few weeks after i complain, It goes...

There is no problems making the payments. Also there is no sign of me losing my job in the near future. But for obvious reasons, just like anyone else, if my IVA can be concluded early then it would be the best option for me and my family. In fact with the overtime and shift allowance i am finding i...

Hi, I have been told by my dad that he is willing to give me £8000 to make a f&f offer to my creditors. Problem is my debts total £23,000. When my IVA was accepted it was at 23%, which with fees works out to about £9000. I have been very succesful with my payments to date, also making considerable e...

Just to update you guys. 02 conducted a credit check and i failed. My custom was refused. Nevermind, i will have to stick with talktalk who are rubbish. Thanks for your replies.

Hi Lesley, Yeah he said they would contact me in the next few days. I guess I'll just have to wait and hope they accept me. I didn't think household bills were an issue. I've got a mobile phone contract that I had before my IVA started. And the existing house phone and broadband are in my name and a...

Hi there, I have had a lot of problems with my isp talktalk. I was looking to switch providers and 02 seem to be the most reliable. I called them up and set up my phone and broadband with them and was welcomed. They told me i needed a MAC code from talktalk to switch over. I called talktalk and they...

So in effect does that mean I will pay 108 pence in the pound because of the 8% interest?. Sorry for all the questions but I'm a little bit confused! Then add IP fees?

If I paid back 100 pence in the pound back by the end of the 5th year would my IVA end?

I thought interest stopped whilst in an IVA? I thought that was a benefit in taking an IVA over a DMP?
And yes the equity clause is in my IVA. Thanks for the reply. So for example my debts were 24k, I might end up paying back 30k? Because of IP fees and interest?

Hi there, I was just thinkin and came up with a question. I hope someone can give me an answer. I've been in my IVA since January this year but I am doing extremely well paying extra funds into it because of overtime and bonuses. My IVA states that I have to pay about 30 pence in the pound for 5 yea...

I guess if the credit card account is still open then they can probably take the money. Have you tried contacting them?. My advice would be to contact your IP and take it from there.

Thanks Melanie. I will be in touch with my IP as soon as i know if i am getting a bonus and how much, But she will see this from my wage slip anyway. Thanks to the other guys for their input. Muchly appreciated.

I'm not sure about my proposal. I'll have to have a look in the morning. I've got a horrible might shift ahead!!.