<r>Hi guys, <br/> <br/> My IVA has been ticking along without problems, but I've just had a big drop in Income. I'm with Stepchange and going through a variation, my advisor warned me as my proposal decreases the payments they may request the term is extended by 12 months. Is this right? I will chec...

Thanks Foggy, I will wait a bit before chasing then

Hi everyone, I hope you are well. So I should have made my 5th Payment this month, but have hit a bump! My ex has quit his job and is not paying child support, great! I have notified StepChange and sent them the required evidence from the CSA. They have said I need to review my budget, which I have ...

Thanks All. I got my Chairman's Report today... Which I have had to call SC about as its wrong! They list a modification which was rejected and have an incorrect statement about a call on the 10th NOV from a person I never spoke to! I have called them and they are going to look into it, but were ver...

Thanks Foggy!

IVA accepted... I know I should have probably adjourned but feel so relieved its done. I had pretty generous allowances so happy the payments are realistic even without the child benefit. Payments commence Jan pay day, I even got to keep my Xmas savings pot so I can relax and enjoy Xmas! Start the n...

Thanks both, I'm probably too impatient for my own good, as the change hasn't happened yet could I wait until it does then request an amendment? Or would it have to wait until review time. Really just want it all in place.

Hi everyone, Sorry, started as a quick post, then got carried away![:)] So the creditors meeting is tomorrow, 3 votes are in so far with modifications.. TIX-Lloyds (73%) - reduce fee to £1k Watch PM - Post Office MC (8%) - increase payments by £25 (work meals), variation fee £400, daughter to pay bo...

I will keep my fingers crossed! But thinking about it now I have the meeting date I could stop the payments I have been making and put that by, so not the end of the world. Then some careful budgeting next year and things wont be so bad, provided they don't insist on modifications

Hi everyone, Creditors meeting to be held 28/11! Glad I have a date now, just want it all sorted, I'm a bit impatient and its stressful! But I have a question, through work I put by £40ish per month from our benefits package to be paid as a lump sum in Dec for Christmas expense, Step Change after mu...

Great advice, thanks everyone its appreciated! Good to know others have been through the same things and come out the other side.

Will keep you updated on progress and no doubt more questions

Thanks Michael, any independents you can recommend? Or is that not allowed?

Thanks both! Makes me feel more confident I have done the right thing.

I have a couple of email addresses of friendly people, but I have dealt with a different person every time I've called. As long as things run smoothly I'm sure this will be fine.

Just a waiting game now.

Hi there, So I've just sent all my paper work to Step Change and they are drafting my IVA proposal. Read so money forums, so much info out there, I think I need a bit of reassurance! I think my IVA should be quite straight forward no assets, never taken any PPI, £65k, paying £750pm. Heard a few ho...

Hi there, I have an appointment with an IP later, I've been round a few now to discuss options. Do I have to include maintenance payments I get in the proposal? They have only been paid regularly for the last few months, my child's father stops and starts when he feels like it so I'm reluctant to in...