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by jem13bha
Fri Oct 26, 2012 1:36 pm
Forum: Ask IVA Forum and Industry experts
Topic: Lost wage slips!!!
Replies: 8
Views: 2350

Thanks guys. hopefully they will be found, if not ill send in bank statements
by jem13bha
Thu Oct 25, 2012 9:00 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA payments becoming more and more difficult. Should we consolidate or stay with the IVA ?
Replies: 23
Views: 3187

Hi we were in the same situation as you with around the same month of debt and 3 children and we were struggling to make payments on 2 loans and 2 maxed out credit cards. We spoke about debt comsoliadtion but it would have taken 9 years to pay off. The IVA was a difficult decision and we havent told...
by jem13bha
Thu Oct 25, 2012 8:53 pm
Forum: Ask IVA Forum and Industry experts
Topic: Lost wage slips!!!
Replies: 8
Views: 2350

[:(]Just had my annual review to find that half of the years wage slips have gone missing! We have had a change in IP during the year. I send them every 3-4 months(or when I remember)!Great, what a palarvar it will be to get hubbys compnay to print off 36 wage slips(get paid weekly) hope they find t...
by jem13bha
Thu Oct 25, 2012 8:36 pm
Forum: payment breaks
Topic: How much hassle to get a payment break!
Replies: 1
Views: 7381

Just had my annual review and what a hassle to get a payment break. Have had to borrow money from parents to pay for car repairs recently and was hoping to take a small payment break so could pay them back as well as buy the kids winter bits etc but have to send reciepts which is fine but then have ...
by jem13bha
Thu Oct 18, 2012 9:25 pm
Forum: my car, can I keep it, repairs, etc
Topic: Changing cars?
Replies: 3
Views: 6011

Hi, we took out an oringinal loan for our first car and then traded that in to get this car and still had part of the loan to pay off which was included in the monies taken into our IVA.
by jem13bha
Thu Oct 18, 2012 9:16 pm
Forum: Ask IVA Forum and Industry experts
Topic: Hello
Replies: 5
Views: 1142

[:)]Hi guys Just over halfway through my IVA and just found this website and am glad that by reading some of the posts that we are not alone in some of our worries and concerns. Its been a hard year financially and sometimes money worries keep me awake at night! I am counting down the payments, only...
by jem13bha
Thu Oct 18, 2012 9:10 pm
Forum: my car, can I keep it, repairs, etc
Topic: Changing cars?
Replies: 3
Views: 6011

Halfway through my IVA and have a car that is costing small foutune in petrol and repairs. It's a 7 seater which I now dont think we need. Do you think we can trade it in to get a different car of roughly the same age but a 5 seater and more econimical on the petrol. We wouldnt be taking out a loan,...
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