Squee! Thanks Lisa!

I rent and don't own anything of significant value (except my soul, which I will never sell on to the credit card demon again). The extra money I spent on the iva will start my wedding fund

Dear experienced IVA people and completers, I was wondering what happens in the last month of the IVA and the closing procedures for the IVA. Are there any final meetings? Do I have to submit a load of paperwork? When will the completion certificate rock up on my door mat? What happens when I make m...

Hi guys, It's been one the heck of a roller coaster ride over the last five years. Now there are only five more months to go. I have just made my February payment and my last will be in July of this year. I can scarce believe that in just FIVE MONTHS TIME I will be debt free! :shock: :shock: :shock:...

Thanks guys. I totally could not have done it without Payplan and of course, all of you on the forum. Hopefully things will continue to go well. 2 years is a long time, but I've already done 3- so it can't be that long!

Hi everyone,

I have now been paying into my IVA for three years. Two years left and 23 payments to go! [:D] So proud of myself!!!

Bedfordshire isn't for us sadly...

So I got a new job. My existing one is on a two year contract- so wouldn't cover the last year of the IVA. The new one is premenant. Unfortunately this means re-locating from Manchester to London. I say unfortunately, as our rent will be £1000 p.c.m alone! Also unfortunately my partner will have to ...

Hi everyone. I have been paying into my IVA now for almost two years (my how time flies when you're poor). The original agreement was for me to pay almost £7,000 into the IVA, with £13,000 being written off at £123.50 per month for 5 years(oh joy!). I now pay in £177.75 in per month- as my wage incr...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by MelanieGiles I suspect that it will fall under the 10%/50/50 ruling however you may want to put an arguement forward that it is deferred and thus paid annually. Can't you get them to pay you monthly? H...

Hi,

I write reviews for a magazine for dance productions which is paid by BACS at £500. This is for 12 reviews written monthly, but gets paid as a lump sum at the end of the year. How will payplan treat this, seeing as its for a years work and isn't a windfall...

One word "Payplan". They are better than silly CCCS!

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Michael Peoples I see no reason why not. Speak to the IP because if you hve not got a surplus a reduction or break has to be granted especially when it is not your fault. Thanks Michael. By the power o...

Hi guys. I am paying £100 per month for my IVA. The not so lovely place I work at has said that they will be giving all employees 3 days unpaid leave deducted from the Salary for 8 months and starting in August. Do you think that payplan will reduce my payments for those 8 months that my salary wil ...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by lesley_ Do you have any cash at all to buy a second hand one? Some of the Buy it sell it sites via FB or similar often have these for sale. Are there any work schemes available to help with the purchas...