Thanks Melanie - I contacted them and they are sending me one out - I have found this with my IP - they don't seem to include me in the mailing lists!

Anyone would think I'm nothing to do with my IVA! :-p

Hi Melanie No, I have not been asked to complete anything from my IP - infact, following my request to have a creditors variation meeting, I had not received anything from them since shortly after the IVA began. I am with O'Hara & Co. I'm starting to get concerned that something is not right.........

Hi, I'm 16 months in to my IVA - and I've not paid an awful lot of attention to what has been going on; the direct debit comes out of my account each month, and I thought all was going swimmingly. However, I came on this site to check out the situation with a creditors variation meeting and I notice...

Thanks :-) Just so I know what to expect (my IP is not brilliant at providing me with loads of information!) - am I looking at 75% of value, or just 75% of population (i.e. 3 out of 4 in my case)? What about if people don't vote? Also, my creditors are HSBC, MBNA, Inland Revenue and Halifax - are th...

Hi all - sorry I haven't been on for ages - work has been really busy and my IVA (16 months in) has been going really smoothly. However, in February my girlfriend went off sick and needed a knee operation - the operation was not successful and she is still off, and she is on statutory sick pay. We a...

The XX-3G47 code worked for me, saved me £10 on my shop from Tesco! [:)]

Welcome to the site.

My personal view from that is that the unsecured debt could be financed from a further secured loan, and that would presumably reduce outgoings, but perhaps not by £500/month.

One of the experts will be along shortly to offer their opinion.

I have made a point of refusing to 'put in' to these. There was one a couple of weeks ago, and I said something along the lines of "I'm going to give these a miss from now on" - I'm sure everyone thinks I'm a scrooge now - but they didn't do anything for my 30th in February (not even a card), so as ...

OK, I can see your point - I suppose at least the IVA will be paid off sooner, I can see that - just a bit disappointed that I will not be able to use that money for something that I would have rather it gone towards.

It would be from an inheritance, completely unexpected and I have been told could be up to £10,000. Is there anything I can do, because obviously I don't really just want to 'lose' the £10,000, or whatever it ends up at if there is an alternative. I am all for repaying my creditors as much as I can ...

Sorry to be impatient, but anyone any ideas so I have an idea whether I can offer a F&F payment?

Firstly, sorry I haven't been on for so long - been off work ill for a few weeks. Secondly, I could possibly be coming in to some money in the next couple of months. If I was to make a proposal to my IP for a F&F settlement, based on my IVA (£16,500 based on £270/month - I have made three payments),...

What is the code, I'm ordering something tonight!

And here was me thinking this was something to do with that Abbey advert! [:p]

angela18 wrote:

i'll call on wednesday when i'm off, can't be bothered with a trip to Delhi today!! stressed enough!!

That made me chuckle!! [:D]