Lee - that's pants...hope you hear some good news soon. Kerri - i haven't been on the pc much over the last week. I have finished work now for xmas and caught up with your story on another post. I felt really distressed for you. The majority of the people that post on this site will really feel for ...

I think that you may be lucky providing you only found out that you definately knew you got the prmotion after your creditors meeting.....what 'normally' happens is 50% of any pay raise you can keep....50% goes to your creditors and therefore your monthly payments will be adjusted accordingly. they ...

fingers crossed for you illihor! good luck

Hi Camiva,

When you say you are about to make your 1st payment.....has your IVA actually been approved or are you in the early stages of the IVA application?

Kezza, My creditors were:- Lloyds TSB - approx £29K - voted yes MNBA -approx £7900 - did not vote Mint - approx £8K - voted yes Morgan Stanley - approx £5K - voted yes Monument - approx £6K - voted yes Goldfish - approx £7K - voted yes Capital One - approx £1K - voted yes Barclay Card - approx £800 ...

Merry Christmas everyone and thanks for all your support! I have to say that this year I do feel more relaxed and happier than last year when the black cloud of debt and digger myself further in it was constatnly following me around. All the best for the New Year and good luck to all those that have...

Hi,

Just to let you know...my IVA was approved at 29p/£ on a debt of £64K

Hi,

can you just confirm what you mean by statutory interest?

Lee, All the very best...I am sure you will get the result you want and it will be such a relief. I have not seen anyone who has had their IVA rejected on this forum yet...adjourned yes but not rejected at a creditors meeting...you have probably read this before but IPs wouldn't waste their resource...

Camiva, Any overtime/extra income that you earn, 50% will go to your creditors and you will be allowed to keep 50%...this is normally one of the conditions of your IVA.....they allow you to keep 50% because they obviosuly want to encourage you to earn extra money otherwise what is your incentive to ...

Hi Nancy I live in the south of England. My debt man company (Myvesta) referred me to Grant Thornton (IP). They are situated in Belfast. the distance didn't make any difference...I found them really helpful, pleasant, professional and they turned my IVA around within six weeks..IVA was accepted at a...

I was lucky this year...i had already bought around 50% of my christmas pressies before i applied for my IVA. I saved a little bit of money from last months salary (that's with my IVA payment taken out)and also i have this months.......i have sat down and calculated that i can just about afford to f...

Hi DMB42......congratulations on your results..it is a relief when you hear isn't it.....all the best.

Fortunately HFC were not one of my creditors...i do feel for you having them phone you at work....one of my main panicks throughout the whole IVA process were people phoning me at work..i only had one at work who were Mint..they phoned me 3 times in one day when i was on a meeting right at the start...

I told them that i could not talk to them at work...end off and to take my number off their system...to be fair to them they never did phone me at work...just on my mobile and home number...but i think if i didn't pick the phone up at home to speak to them they may have resorted to phoning me at wor...