It would appear that some firms do final reviews but some don't. Best to speak to your IP.

We had same issue a few months ago Lee. Fees were extortionate and with interest would have been 3 or 4 times the amount we had to pay. We were able to get a variation to pay for a further 12m instead. Much better solution.

Hi Spanna, schools now receive funding through a pupil premium for children who receive free school meals, or have received free meals during the last 6 years. The money is to improve the attainments of these kids. Many trips are educational and will help kids achieve more. It may be worth a quick c...

Why do the creditors have to meet when all the payments have been made?

I have been in my IVA for 5 years and only realised I was on the Insolvency register in October when I found this forum! Nobody has ever mentioned it to me, so I assume nobody who knows me, knows of its existence or is bothered by it. I wouldn't let it stop you making the right decision for you. I d...

Hi Roy, I doubt there will be anything in your contract that could trip you up. If you are doing your job well without any problems and managing the finances to an expected level, then what goes on in your personal life should not be of any concern to your employer.

Your story has made me cry nra, but I am so proud of you. I only found this forum last month and wish I had found it 5 years ago when my IVA journey started. Nobody knows about my IVA and it has been difficult at times carrying the weight and not being able to offload. You are so brave and should be...

Good luck for the journey Jamster and have a good night tomorrow!

Hi Cariadqueen,
I popped home for a couple of hours in the middle of the day ready for the call. Luckily everything went ok and I was able to return to work feeling better than I had when I had left!

Good luck for December 6th

Have you got equity available Pixie35?

Thanks Foggy.

If a debt is sold on, presumably for a lesser amount, does this have any impact on the amount owed through an IVA?? Just wondering...

If your mother in law looks at records that she shouldn't be it would be a serious data protection breach and could cost her her job and a hefty fine. For info that is in the public domain it is not so simple, and steps to withold your address need to be taken.

Exactly Melanie. Gamemaker I appreciate the neutral position that IPs must adopt and rightly so. Does impartiality include forcing clients down this route then?? Please don't be fooled, I obviously have a vested interest here, but so do many following me. Not to mention many before me who have proba...

Good luck andyflincs and enjoy your well earned shiraz next month