Hi, My IVA ended after we had a windfall. I paid back every penny including interest and IVA fees. At the start (2 months in) of my IVA one of my direct debits attempted to take money from the wrong account - yorkshire bank(one that was in my IVA) as a result it was returned and yorkshire bank added...

Hi, I was told the other day by payplan that my IP doesnt directly talk to the clients, is this right? I need to talk to him directly and I dont want to be fobbed off, do I have a right to be able to talk to him? Thanks in advance for your help

Thank you everyone, I really do appreciate your support. I will try and talk to them again tomorrow and see if there is anything in regards to the interest I can do, our front door actually fell off today whilst we were away so the repairs are genuinly urgent and we dont have a bean to fix it :-( fi...

Thank you Foggy, I will have a good read. The wording can be so confusing in my documents. It was an online betting site, it was is my name but the stake came from my partners wages. They are saying that gambling regulations state that as its my account my partner couldn't of been betting even thoug...

We have been really fortunate and have won an amount which means I can now get out of my IVA. Even though we jointly won the money my IP is stating that its legally all mine so I have to use it all to pay back my IVA 100% diveded + fees. All the winnings will be swollowed up. Im not ungrateful certa...

Thank you for this advice, I will chat with my IP in the morning and find out what we can do. We want to use what is left to pay off part of the secured loan as we are seriously in negative equity and desperatly need to move, I wonder if the creditors will see this and will drop the interest. Finger...

Thank you for you help, I reall do appreciate it x

Hi, we have just had an unexpected windfall (this kind of thing never happens to us) the amount will cover what I originally owed my creditors. What will happen now?? How much will I need to pay back? Are there any other charges that I need to be aware of? Thank you in advance for your help x

Thank you all I really appreciate your comments :-) all it says in my proposal is that 'the level of contributions is subject to annual review' nothing else at all. I'm expecting to have to put in more after reading so much of the other posts, would like some sort of guide so I can plan (I'm really ...

Hi, I'm almost a year in to my IVA, it has gone so quick :-) it's been an amazing year one of the highlights has been a significant promotion at work (acting for 1 year but could be permanent if ai do a good job) I've just been rereading my IVA docs and realised that I have no clause regarding what ...

Hi, I have been offered a promotion starting September and I would like to use some of the extra in wages to pay for a professional development course. Could this count as an expenditure on on I&E? I only have the post for a year but if I show my worth (the reason I want to take on a course) it coul...

Hi, I am in an IVA with payplan and I'm a bit confused on how my partners wages will be taken into account (it's my IVA). The situation is that he works 3 days a week, however this year he has been offered 2 extra days of work a week whilst the weather is good (he is window cleaner and often has lay...

I had the best news in a very long time yesterday, my IVA has been accepted!! My top creditors didn't vote and the terms and conditions that have been applied only affect Payplan and not me. I can't remember much of the details, my head was realing when they said it had been accepted, when I have th...

Thank you everyone, I will let you know how I get on.

These forums have been invaluable and have really helped me. I can't wait for the restful nights sleep to begin x

Thank you everyone for your help.

I have applied for a Natwest savers account, they said they will confirm it in 3 days - fingers crossed.

Creditors meeting on Monday!! hope I can sort an account before the meeting.