Thanks foggy. So basically I've been shafted. I alerted them that I no longer live with my ex. If this triggered off a review which I thought it might have, this option of ffs may have been considered for me also. As you say my ip did decrease 15% immediately. But at the same time they decided to no...

Hello all, it's been a while. I'm now approaching my 7th year only 20 month remains and everything going smoothly. I split up from my partner of 20years a few month back. I requested a split iva as it was linked. I was told this isn't possible, but I know I've seen it can be done. Anyhow, I now pay ...

yes I would presume if they want my i&e they would ask for it, right?

so basically that's 2years without being asked for i&e

nothing has changed really on both

hello all, it has been over 2 year since I last posted. I was with melanie before the change and I am now with creditfix. my annual review is always november. last year due to the back log of transfers of iva's my annual review was not done u gil feb/March. not i&e's were requested and I thought thi...

well everyone my review was due last November and I received nothing at all apart from that standard letter about changing t&c's

Wonder if I hear something is I stop the standing order o_O

joke btw

Hello Foggy and lifenoteasy, yeah I made sure I kept the reply email, seems like a crazy long time.

Wonder how this effects the 2-3month period stated in contract in relation to the annual review.

Hello all, its been a while since I posted and already I am coming close to my 3rd year in IVA wooohooooo. I like many others transferred over to creditfix from Melanie. Here is my query, my annual review was due in November last year and I still haven't received correspondence yet in relation to th...

great thanks, appreciated. i understand.

Looking forward to progressing to next stage, im booked in for a phone call with you tomorrow mel.

thanks again

Hi everyone, im hoping you can share your expertise with me. Im getting closer to that proposal stage. Starting to get a little anxious however nothing compaired to waking up worrying bout money like a short while ago. I am applying for a joint iva, i was just wondering if the 10% allowed for overti...

thanks all, you guys really are helpful.

i will get in touch with tina today, have a nice day everyone!!!!!!!!

hi again everyone, iv just about got all supporting documents together. im arranging a house valuation and every estate agent iv phoned state they dont usualy do a written valuation and theres over a week waiting for appointment. am i asking the question wrong?? all i am saying is im contemplating s...

thanks for the replies all, ive spoke to yb. they said i can still transfer my dd''s to the account i have now and change to ready cash with a simple phone call during week(as it was weekend when i rang). i suspect the first advisor i spoke to from yb must have been due to finish her shift and told ...

Does anyone have experience of using this type of bank account on an iva??

Please let me know your thoughts, helppp

I was planning to change direct debit tomorrow and monday, if ive got to change/cancel it will be delayed again.

i have spoke to the contact centre and they say i need to speak to the actual branch and the call centre are unable to help.

the benefits are cheap but useful and i wud pay out of living costs. obviously if im allowed to.

hurdles all the way. that lucky break is coming!!!!!!

omg what a stressful day. i started to open a bank account with yorkshire bank. it is a joint account and i specifically asked for the basic ready cash acc. my partner was unable to attend the same day as me so she went today to sign. when iv arrived home the adviser has opened the signiture acc. al...