Hi All (again) I have an individual IVA (just me not my wife) and currently live in Privately rented housing. My wife's family have given my wife some money for a deposit for a house and she has been accepted for a mortgage for a shared ownership house. 55% share on mortgage and rest owned by housin...

Hi All Hope all are well? I have had a refund this month on a car breakdown call out fee as they wrongly diagnosed my car at the roadside. My question is, I am already over my allowed income for this month and have already made an additional payment to my IP for the extra bonus I received this month...

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Congratulations

Hi Hannah

There are some mortgage advisors on this site who have experience in this area. Not sure what their names are but hopefully someone else will reply with them soon.

However if you browse around past mortgage questions on here you should be able to find out who they are. Good Luck

Fab News - The journey of a debt free lift has started.

Best of luck for today, I felt exactly the same the days before and the day off my creditors meeting. Fingers Crossed for you.

Hi All

One of my creditors is Natwest, but I have a few other accounts with Natwest that I don't use and have a zero balance. Am I able to just close these or is it going to affect my IVA with them?

Thank you guys x

Hi All. I got my IVA Approved on the 21st of Feb this year with my first monthly payment due to come out today. I got payed on the 28th Feb and got a bonus payment. I just contacted my IP to pay the additional 50% of the bonus after the 10% allowed but to my surprise they said I didn't have to as I ...

Thank you.

I have changed it slightly do be able to track all expenditure throughout the whole course of the IVA.

Thanks for the reply.

Are you allowed 10% every month or is it annually?

Hi all I have only just had my IVA accepted so very early days for me. During a sleepless night I tried to find a good tool or spreadsheet for me to be able to quickly complete and would keep my IVA and finances on track, and also be able to give me quick figures should my IP call me. Failing to fin...

Thank you all, still trying to get to grips with it

Hi All I have only just had my IVA accepted but a bit confused still about the 50% rule. I am expecting a bonus tomorrow. So am I right in thinking the first 10% of the bonus I keep, then the rest is divided 50:50 and I pay to my IP. Or is it the first 10% over my normal salary I keep then the rest ...