Hello good people. I would be grateful if someone could answer me a few questions, I am approaching the end of my Iva and have 2 payments left :) I have just paid equifax for a run down on my default notices, the questions are really about these. 1) As I understand it defaults are normally issued an...

Thank you so much for your reply, it has opened my eyes more and will discuss this with the Wife in more detail, if I am not happy with what my IP puts forward to me can I reject it and state my reasons for what I want pit forward ?

Cheers

Thanks for your reply Clare, I knew there where things I had missed off, meals at work, clothing, If I can ask, why have you listed housekeeping uner single person ? I thought that as a couple living together this could be under a couple budget, or is it that the IVA is in my name and is my debt tha...

Hi guys, I am currently going from a single persons IVA income and expenditure to to a couple, (married last month) The IVA is in my name and I had it before I got with my wife. How is the percentage worked out ? which gives you your (mine) share of the joint house hold expenditure, e.g , rent, wate...

Is there anyone else out there that can confirm the above post ? As stated before I dont see it fair that my Wife would have to contribute to things like "hair" "medical" "Dentist & Opticians" From the information that Melanie stated with my take home pay @ £1500 a month and my wife's & £2000 = ££35...

Hi Melanie, Thank you for your reply, I am trying to work out the figures before I speak to my Supervisor and see what they say, I think I understand what you are saying, so for example if the mortgage is £650 a month I pay 43% and the Wife pays 57% so I pay £279.50 and she pays £370.50 both added t...

Hi guys, I’ve just got married and know I have to declare this to the supervisor of my IVA, I also know I have to do a new income and expenditure form as I am going from a single person to a couple living together. At present I earn £1500 a month after tax, I currently pay £220 towards my IVA. M...

Hi Guys, Can someone possibily answer the following questions. I am in an IVA and got married yesterday, I entered my IVA before I met my partner, her Dad has stumped up almost all the cash for the wedding and we have said that any wedding gift money we receive will go towards our honeymoon, we have...

Thanks for the reply's guys, She would most likely re-mortgage to get the money but she just said if it stays on my file even after it is cleared then she is not so sure, At the minute I am paying just over £210 per month into the IVA, if I wanted to offer a final settlement based upon what I pay ea...

Thanks for the reply Kallis, So as I thought it does stay on your file for 6 years even if paid off early, in that case she is better off keeping her own money and I shall carry on as normal, you said above " At the moment I would not consider doing joint finances with your partner as this will seve...

Hi, I would very much appreciate any information on the following from people who have been in the same situation as me or the Pros out there. I am just 1 month away from completing 2 years of my IVA leaving 3 years to go. I am planning to get married next year and move into the house my partner own...

Hi I am just under a year into my IVA I have been talking with my partner about buying a property together, She already has a mortgage and has been on the property ladder for over 4 years, She has very good credit rating and has a good safe job, (school teacher) My question is - Are there any compan...