Good luck Mark. I remember mine so well. Travelled two hours to visit them, sat in reception to be told "its all sorted". May have had something to do with 55p/£ return, but 15 months in, first review with no changes and 'normality' reigns.

Good luck

Hi everybody, Apologies for the late reply, but following my pay increase in April, and speaking to my IP, I am allowed to keep any salary increase, untouched, until my Annual Review. This is in January 2008, and this will then take into account any increase in salary/utility bills. So everyoine doe...

Hi Madcat, and welcome!

I'm only 4 months into my IVA journey, however, I can assure you that the support from everyone, including their honesty is refreshing and welcome.

Participation is the key...



Aibo1358

Thanks for all the comments guys, but please, this is a forum of free speech and expression, so please lets not fall out over my question. I agree with all of the comments, and indeed, as stated previously, have no problem with paying more if able. I just wander at what point the extra responsibilit...

Thanks again Melanie. I do appreciate the need to pay more, and indeed wish too when the opportunity arises. It just appears pointless in receiving any increment if the individual cannot "feel" the benefit as well. I perhaps had not realised that I may end up standing still from the point of my care...

Hi Melanie, Many thanks for the response. I did wander if that may be the case, however, I am slightly disappointed, as I would have thought with the net gain only being £70, that I may have been able to keep part of this, otherwise, whats the point in receiving an annual pay rise. Apart form a Coun...

Hi everyone, I have been up and running with my IVA for 4 months and have recieved notification that I am receiving an annual pay award of 7% (£2162 in real terms) from April 2007. "Great" I hear you all cry, however, my tax code has nose dived again down to K155, also from April 2007. I have duly n...

Thanks Kerri and Lily. Your kind words really do add to the pleasure, and thank you guys at Admin. The Avatar is cool[8D]

Aibo1358

Thanks...

I sincerely hope so, and one without the added stress of creditors!![:)]
Aibo1358
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Aibo1358

Having just had my IVA Approved, I would recommend Thomas Charles and Accuma.

Aibo1358

Well done!! My was apporoved on 21st December and I'm just waiting for all the paperwork to return so I can see the votes cast. Mine also get a 55p return as apposed to 6p for bankruptcy so felt equally confident, but still scared, but no more!!

Aibo1358

It's approved!! After a resheduling of the creditors meeting, due to errors in the paperwork (theirs, not mine) I fianlly went to the IP offices in Manachester expecting god only know whats, and didnt even get out of the main reception. The guy came through and said "thats it, all approved". First p...

Congratulations!! Mine was also approved on 21st December with no changes, so I know the relief and 'calm' that descends. Good luck and well done.

Aibo1358