Fingers crossed you get this resolved and quickly

Recently I have found the apps for your phone which allows you to get money back on your shopping, you can your receipt and then you getting money credited which you can withdraw to your bank account. http://www.shopitize.com/ http://www.checkoutsmart.com/ and Clicksnap http://www.quidco.com/clicksn...

Hi Zakster,

Unfortunately we are unable to identify you from your forum name, but if you contact the office they can discuss any queries you have with you.

If the income is over £5,000 more than last year you will have an over payment next year

You can run your circumstances through http://www.turn2us.org.uk/ it is very accurate, if you award is much different you may want to query it with the tax credit office

If your husbands income increases by more than £5000 they will base your new award on this years income, if it is not expected to be more than £5000 it will be based on last years income but shouldn't result in an over payment. If his income goes over £5000 more than last year and you don't inform t...

Hello Blue eyes The tax credit have a disregard of £2500 so if your income falls in the tax year the 1st £2500 is disregarded completely so you will not get any extra payment. Have a chat to your IP if you have a change in circumstances but you should be better off this year as your tax credits shou...

It is great to see so many posters obtaining mortgages after their IVAs have completed and moving on with their lives being debt free

Your circumstances are not that unusual Neil and do try not to worry and seek alterative advice.

Your wife's surplus income should be for her own commitments

That's very true Foggy

We as a firm believe that the secured loan provisions of the 2014 IVA protocol are unfair and have proposed IVA without these provisions but ultimately it is a decision for the creditors whether they accept the proposal or not.

That's great news - all the best for the future

Hi Neil and welcome to the forum :-) The most difficult part of the process is admitting to yourself you have a problem and then seeking the advice - so it may not feel like it but you have come a long way. You are doing absolutely the right thing by doing as much research that you can and reading t...

You have had some good advice here John.p

All I can add is to seek advice and make sure your IP is used to dealing with self employed cases.

There is also a statutory duty for a face to face meeting with your IP as you are self employed

You will probably fail the credit check to be a guarantor for a landlord.

Unless you have had a change in circumstances the creditors may expect the full amount due, your monthly payment x 12 remaining months