sorry should have said pay £272 per month and not property owner have paid 12 months this month have made the 1 year mark yipee only 4 left boo hoo ha ha. hope this helps many thanks

Hi I have yet another question with regard to full and final settlement I have tried to calculate it myself and dont think I am getting it right so could you help me please. IVA is £16320.00 which is £5540.00 costs to ive company and £10780.00 available fo creditors which therefore I am paying £0.31...

Thanks for your advice Melonie. I have another question when I originally did my IVA I was told that I wasnt allowed to include my pet insurance and basic sky tv direct debit into it. Can I put them into my yearly review or do I still need to leave them out. I have also increased my clothing allowan...

Hi Melonie yes we do have a joint bank account and yes he was my partner then. We had a joint bank account then as well but closed it down and I reopened one in my name We only made it a joint account in August I think. thanks

sorry to be a pain but when I send them the bank statements wont they ask what that money is for and why I havent enclosed it? sorry I sound really thick its just that all of this is just scarry to me ha ha. the forms them have sent me to fill in for income and expenditure are completely different t...

Hi just had my yearly review forms to fill in and have a question. It is only myself who has the iva and not my partner but we do have a joint account. Do I have to put his money down as income or is it just mine? I want to get all the forms right before I send them back as dont want to mess them up...

Hi just wanted to pick your brains. As you now my son gets DLA and I was wondering if this was taken as income which freelillie answered for me (thank you)I did ask a question not long back about when did I have to inform my ip and said that I was trying to sort all the money out as everything chang...

Thanks Andy for your reply. Will they require bank statements and will all the documents they need be for the whole 12 months. Sorry to keep asking its just that I am new to this and wondered what would happen at 12 month review. Many thanks

another question what exactly happens at your 12 month review what paperwork do they want if any?. Is it 12 months paperwork or only the last 3 months and do you have to have a meeting or is it just done merely by post or phone. Many thanks for your help

I receive it about 2 weeks ago but have been trying to sort out all the finances as ctc has to be altered and all things. That is why I havent rang them yet until I can get straight in my own mind how much I have coming in and how much going out with new expenditures. Will I get into trouble? also a...

I wouldnt be. It would be nice to pay off the iva sooner rather than later as I worry about it all the time (total born worrier ha ha). As I said I have been awarded DLA for my son when do I have to inform the IVA company of this as I am trying to sort out all the finances as when you get paid so mu...

Can he borrow money on our joint account or would I have to be involved in that. I mean say we banked at natwest and have a joint account can he apply for a loan just in his name but on our account and can he do that. I cannot apply for any credit but he can and I am worried about it I dont want to ...

Hi everyone I have another question. I am on an IVA but my partner isnt is he allowed to borrow me some money to pay off my IVA with a lump sum even though he is on my bank account? Can he still get loans? How much is it you have to pay in a lump sum payment is it the remainder of the IVA that is le...

thanks lilly for your advice this is a big help its always nice to have another persons view to pick up on things that you would never think about until too late ha ha many thanks

thank you for your advice about the dla and my son what expenditures would i put in as I am not sure what to put and you may think of things that I wouldnt any help greatfully appreciated many thanks everyone