Hi I read this forum quite often as I find it very helpful. I want to know how long it usually takes iva company to put forward full and final offer. I have been advised it will take 12 weeks just to do this? Just thought it seemed rather long and would appreciate any comments.

Hi was wondering if anyone knows the answer to my question - I work at a Gp practice and have done some overtime at another practice to cover for a few hours whilst their secretary was ill. Can this still be classed as overtime as I am being paid by a different surgeyr for this??

Hi just wondered if anyone knew the answer to a query - I work as a secretary in a GP practice and have been asked by another practice to work for them for a few hours a wekk whils their scretary is in hospital. Just wondered how this extra income would be treated i.e same rules as overtime?. I am o...

Hi just wanted to advise you all that my IVA has been accepted. It felt good last night to be at home and not wonder who is on the telephone chasing for money!! Just wanted to thank you all for your support. Countdown begins. Nicola

Hi thatns for the feedback. My meeting is on Monday 22 August @ 11.40am (am so nervous!). Was reading thorugh my paperwork last night and they actually want me to make my first payment on the day if all agreed. Unfortunately I do not get paid until 25th of each month. So will have to contact them to...

Hi

Thank you for your feedback. Am counting down to creditors meeting - felling very nervous and just hoping all will be okay.

Hi I have been advised of the date of my creditors meeting and wanted to know how soon after this date my first payment would be due should my proposals be accepted by my creditors?

Thanks for the advice. I was actually advised that my lunch money should also come from housekeeping. Whilst I appreciate that some creditors will not accept certain things I do feel that childrens school lunches should not be affected. My daughter needs a hot meal at lunch time not a sandwich from ...

I am dealing with Payplan to set up an IVA. During my telephoen conversation I was told that based on my income and expensiture repayments would be approx £24o per month. I received my paperwork and repayments are set at £273!. I telephoned them as I had not included any allowance for lunch and my...

I understand that you should not treat creditors preferentially but surely until I have entered into an IVA they are not yet a creditor? I have only just begun gathering my infoirmation to enter an IVA. I am not including them in as creditors as they will just say pay me back when you can. However I...

Do you have to have a contingency fund available for when IVA starts - if so how much. As I owe my grandparents £500 that I would like to pay them before I start IVA process.

Hi was just wondering whilst going through my income and expenditure with payplan I realised that there is nothing set aside for birthday/christmas presents (is this comething that cannot be included). Also I forgot to account for my lunches (approximately £10 per week). My surplus income was worke...

Just want to thank you all for the advice. It feels so daunting when you are not completely sure of the process and is nice to know that there are people you can get advice from. I have signed my form for playpan to act on my behalf and have collated and sent back the majority of the paperwork they ...

Hi just wanted a bit of advice. I had a DMP with Kensington. To cut a long story short was not happy with their services and was told about Payplan so am currently looking into starting an IVA. I was advised the only way to cancel my DMP with Kensington was to cancel my debit card (as this was how t...