I am coming to the end of my 18 mth mobile phone contract. I currently pay £35 per month. I have been in an IVA for 11 months now and this is included in my allowances. My phone is coming to the end of its life now and playing up quite a bit and I would like to get a new one,is it ok to apply for a ...

When setting up my iva a lovely lady in drafting gave me her number so i might dig it out and give her a call.just read my chairmans report-it doesnt say diddly squat about payrises. just a bit on windfalls, bonuses and overtime! Im 8 payments in now 9th tomorrow. Its hard but im managing, and its g...

I dont know would I? If I had gotten it monthly from april it may have been 20 extra a month- knowing it was a payrise would i have to give all of it over? I thought I would just have to give 50% of anyhting over the £1157. Im really struggling at the minute as costs have gone up alot and as its sup...

my fuel allowance was £60.00 for the month, I have been averaging 46 per two weeks so around the 90.00.Its been tight but Im managing(just!) On the months I only earned £1122 ,£35.00 below the figure they got of £1157, just wondering if this would offset against when ive earned over the £1157. as my...

My Iva was agreed in Nov last year. They got my average take home pay from july/aug/sept payslips. I work in sports and did alot of coaching throught his time as it was the summer holidays. This was in addition to my normal take home pay. So the average came out a bit higher than my basic. I accepte...

I have been in an iva since november and mercers only started calling me last month to say i needed to pay up or i would be getting a visit from door step collections. I said look im not trying to be funny but im in an iva so im not paying i would be breaking the terms of my agreement if i did. Barc...

I still live at home and pay bed and board costs to my parents of £350.00 per month. This is set up to come out of my account at the beginning of each month as a standing order. My mum only works very few hours a week and doesnt earn a great deal and pays nearly nothing in tax, she has never declare...

Having just had my Iva accepted last month, I had read on here that CO-OP were really great for their cashminder acc.I wanted the internet banking and post ofice deposit bit most so went onto their website and got their number. I rang and spoke to alovely lady whom i explained my situation to and sh...

My meeting was yesterday littlewoods(choice) and next didnt vote and my balances with them were similar to what yours are , when i asked my ip why they didnt vote she said sometimes some of the smaller creditors leave it to the bigger ones to cast the vote and make the decision?It wouldnt have made ...

Interesting that MBNA didn't vote, they are one of my creditors. A little worried that Halifax wanted a bigger chunk more, they are my main creditor (65% of my total). Huge congratulations to you [:)][:)] I only had about 3k with Halifax which was about 3.5% of my toatl debt. Gladly because they we...

Thanks, now I understand!

Can somebody please explain to me what the diffrence is between your supervisor and your ip? And what jobs they do that are diffrent?
Thanks
Nic x

Hi Adam, I also live at home and just had my IVA approved yesterday. To begin with I was going to not tell my parents and just go through it alone. Im so glad in the end that I did. Yes at first they went mad and did a bit shouting and screaming, nothing nasty just how stupid id been but I think mor...

I live at home so all that is in with the 350 rent high but inclusive of all my bills and telly internet and council tax etc

Approved YIPPPEEEE! posted details on iva approved board! Thanks everyone!