I have had a bonus every christmas since I have been in my iva, ranging from 250 pounds to 400 pounds. Every review I send in all my payslips and a spreadsheet. I have not once been asked to pay any of the bonus across. - I am now concerned that as my IVA finishes in July next year that I will be as...

The debts are personal ones. He is extremely bad with money and has kept no paper trails, emails or anything. The debts are fairly old and have defaults back to 2008-2010. I only have online bank statements for a year.There may also be some 'family'issues to do with some of the items that are on his...

Confused, help please. I have gone thro the BFs credit file and bank account. Its a mess. £6k in defaults, and have found a CCJ for £3k. Have also had 3 letters this week from debt collectors. As I am in an IVA, all of this gives me the hibey jebbies. My initial reaction is to try and contact ever...

I'm a smoker and I also have pets neither of which are included in my allowances, I have to fund by saving elsewhere in my allowances.I am also very short sighted and my lenses cost a lot and I also I take three tablets a day. None of which are factored into my IVA.

With a sinking heart I have just read about it on the mail on line. Apparantly the banks are supposed to get in touch with the customer in the next couple of months. I can see this turning into another tit and arse party.

In year two of my iva I took a lower paid job however it was closer to home so I was able to lower the petrol allowance on my I and E. It still left me with less money but I choose to keep my payments the same as I did not want to extend the term of my IVA. It was a struuggle to start with but with ...

B and E are brokers, they gather all the details and then pass you onto an IVA company. As above I would speak to melanie giles team and a few others to decide what the best way forward is for you.

Wow now that what I call quick work ! Its a shame that not companys are as on the ball as Mels.

Thanks Foggy. Think I have 4th year nerves! -I just want to know that everything is paid to date and then I'm on the home straight!

I sent my I and E back in June, my anniversary date is 31st July. When should I expect a letter re the review and the creditors report ?

Congratulations 6oggy, terrific news

I have a health health problem and need to get a strategy sorted just in case and so that I can stop panicking. If I was off work for approx six weeks and only get statutory sick pay what are my options with regard to my iva etc. My work don't know I'm in a iva. Approximately essential essential bil...

Well done Graysonc, hope we both get veggies this year

Lol Nick John you have more front than the wolves team. I do not approve as you jolly well know. We as a forum need the I p who have the balls to post answers. Yes questioning is always good to clarify and debate , but this thread is this thread, and Mel is Mel .......

Well that's ok then isn't it.