Thank you

Hi,

Are we allowed to check our credit report with experian if we are in an IVA?

Thanks,

Daniel

(we received a call from a company that said they have our details becasue we recently failed a credit check - but we have not had any credit checks!)

yes i already pay the 50 % extra due to the IVA, thank you all for advice x

thank you foggy for a quick response x

Hi, I have recently been contacted by my phone company, who, as a reward and to keep my custom have offered me an add on to my contract for an iPad. I have taken them up on this offer and will be paying monthly much in the same way as a mobile phone contract at a rate of £24 per month. This all went...

Muggins, we had lower costs too when I was on mat leave and agreed to put some allowances to 0 such as hairdressing which need to go back on. I have called again today because it is causing me a lot of stress (we never want to have money issues ever again!) and it is being dealt with by FJ who are g...

it does say 50 / 50 rule x

I am not sure I will have to have a look x

That is not what they have suggested to me on the phone today - I am really upset here, are there freeman jones advisors on here that could look at this? x

so anything over 1255 (which was my wage on maternity leave is additional funds but i also had lower costs then which went back on as soon as i went back to work - will this be considered when deciding how much extra i owe

No I have already been told that my increase will count as additional income - the increase looks like 800 because my income was lowered but that isnt our true additional when we have had increased costs and the previous costs like travel that were taken off have since gone back on x

The main thing is I do not know how much money to put in a bank account to as part of their 50% of my extra money when I do not know if what we have put down as expenditure will be agreed until March.

Ok so this is long but please please help as I am really worried. I have just spoken to an advisor on the phone (who is not my usual relationship manager but I have been unable to contact him - he is usually excellent so I can only assume he has been busy). I left the conversation really confused, t...

Just wanted to offer my support - a horrid situation but you clearly have many caring people around you - I hope it all gets sorted for you very soon

Thank you so much Michael for the excellent advice, my other half has told me she already called the IVA company and discussed some of this. It has been a good year - we can't complain! The pay rises etc have just come at the best possible time what with the baby to buy for, they are even more expen...