Thank you everyone. The IP is going to get back to me soon, I spoke to them this morning and they asked me to still come in. If this happens... it will be the cherry on the cake. It is less money, BUT, its closer to home and its something I would dearly love to do. I will give more detail after the ...

Good morning everyone I was wondering, would someone (i.e. me) who is just waiting for the completion certificate be able to work for an Insolvency company? Or would the fact that I will still be insolvent for the next two years go against me? This may sound insane, but I love all the paperwork, cal...

PS - I have to say, I honestly believe I am with one of the best IPs around, have always said so from the beginning. There is nothing I can fault them with. From day when when I actually meet them and to today we have not had one problem and all along they have supported me when we had a few financi...

Good idea Lisa, however, knowing our cars are on the blink, I have a feeling it may be used for that instead.

March will be our 4th review. How time has flown by!

Thank you everyone x

We are keeping it!! They got back to me within an hour of my email to say that the money belongs to my husband and they would not take it!! 3 years ago hubby was paid 2 weeks holiday when he changed jobs and he got to keep that too, but because its more money now and no job changes I didn't think we...

Hi everyone Big thank you, I did as you all advised, especially Michael and I have emailed my IP and asked for a variation for the a/l income to be excluded. Worst that can happen is a no, we still get to keep some of it. It was perfect timing for this money, 2 car MOTS 4 weeks apart. First car fail...

Good morning Thank you all for your advise. It is not fair but I think it will be under the 10/50/50 rule. My husband wasn't allowed to take the time off due to the amount of work, nor is he still, otherwise we would have preferred the time off. I will contact my IP today and send over the pay slip ...

Good morning Need some advise before I go to my IP. My hubby is being paid extra this month and next month for 8 weeks worth of accumulated annual leave he wasnt able to take and some he built up while working on a project. How is this viewed by the insolvency? He hasnt had a proper holiday or week ...

Hi everyone. I hope someone can help me. Hubby and I have IVAs. I was wondering, if one of us were to die, would the death benefit payment by the governament be taken (the £2000 payment) or can this be used for funeral costs? Also, we both have work pensions so either would get a lump payment, this ...

Thank you Michael. I just dont agree on people telling us how to manage our personal lifes. I of course agree with some of Lou's ideas, but no one has a right to tell me what to do, what I need or how guilty to feel. I already do that on my own thank you very much. Like you said, there is a standard...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by lou3 I certainly did not NEED the sky TV (nobody NEEDS sky TV), or the fibre optic broadband, or the £35 a month mobile phone bill (sim only contracts start at £5 a month) nor did I NEED the hobbies al...

Hello everyone. I was curious the other day about mine and hubbys credit scores and state of our credit history so I went onto expedian. Both my husband and I have a average to slightly good score. 656 and 719. The IVA shows up as well. All information is correct. I was completely taken aback! I tho...

Good luck. I will keep my fingers crossed for you

there is a 21 year different between me and my hubby. We have been married 13 years, together for 15. I wouldnt change a thing. Oh and I raised his youngest son for almost ten years... hes now left to do his own thing (my stepson, not the hubby! He is not allowed to leave, who else would make me bre...

Good luck!

I have to say... going through the IVA process was good in a way. With all the stress I lost over three stone!!

You can do it!

x