Thanks guys thought it was the end of these letters... was worried

Hi all

So im two months into my IVA

I have a letter from red castle recoveries..

they want me to contact them about payment

am I ment to ignore all these types of letters??

I thought all these were ment to stop?

Thanks

Marcus

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by baldy Hi getdebtfree, we are with the ccccs now "stepchange" and to be honest when it came down to the budget we were able to put down everything we actually spent our money on. We did not try to be ca...

yes melanie I mean food and rent take up pretty much two thirds of my wages........ if we didnt get tax credits and child benefit we would be on the streets im a hard working delivery postman fed up with working for nought. But lucky to be in a IVA so at least will be debt free in 5 years.... hopefu...

Thanks Melanie

I certainly will im in shock at how quickly costs have risen especially fuel, food and utility bills..

there is 6 of us my postman wage and tax credits still dont give us much.

why does the cost of living have to be so high here??

emptyspace I had no help when I phoned cccs or whatever they are called now...they said call my IP lol.

well gettingthere im gonna include EVERYTHING in the budget this time I missed loads out in the original income and expenditure

Hi emptyspaces I just typed this in to google

cccs budget guidelines 2011 and a pdf came up

cheers

Hi Paul well we now have extra income, But we left so many things out of our original expenditure sheet which left us to cut back on so much, and things were tight. Now we have the extra income we would just like to put our true expenditure down, of course I wouldnt just go the maximum only what we ...

Hello everyone I have been looking for the CCCS Budget Guidelines 2013 But I cannot find them I only found CCCS Budget Guidelines 2011, is that their latest?? I have to fill in a new income and expenditure sheet and want to get it right on the money and have the guidelines in front of me. Thanks guys

Hey abbiesmum

Oh dear hope little one pops out soon

ours is due 20th March

Yes our maternity is different as instead of a cut in wages we are actually getting more as my wife has no income.

I was just hoping to find someone in a similar situation to see what happens.

Good luck, we make our first payment on 15th Feb. We had a problem on the first meeting no one turned up. Had to have a second meeting but all ok. I think we pay 10p in the pound pretty low im guessing. We made the decision to do this last october and it really is the best one we made big weight off...

Hi Abbiesmum Thanks for the reply, My wife was a self employed childminder up until 20th July, she has been unemployed since then. We started looking into IVA's in October, and our IVA was approved late Jan 2013. We didnt know we was intitled to maternity payments you see but applied early January. ...

Hi Andy Thanks for the reply, My income is already lower by £150, so I will factor that in. They didnt ask for a new income and expenditure sheet. But I definately need to do that as when our IVA was first worked out we were pretty tight on our figures. So we didnt leave ourselves much at all, now i...

Hi All I am looking for fellow IVA'ers that have experience getting maternity pay during IVA when currently not working. I already wrote a post about this, but the general advice was ask my IP. It takes a while to hear back and I didnt get the info I need and need my mind put at rest. Basically I in...

Thanks for all the replies everyone

I am hoping there is someone on here with a similar experience to mine regarding maternity pay.

If anyone recalls seeing such posts if they could point me in the direction of those would be appreciated.

Cheers

Marcus