Hi yes I agree with what you are all saying it is probable I can get another job but it is more than likely on less money but because I am already paying the lowest return in an IVA is it likely the creditors will accept variations on the IVA? or will they just say we cannot accept less so off to ba...

Hi Skippy I know but are they likely to make me bankrupt if I cannot get a job for the same ammount I am currently on?

And have a guess where my wife works?

Yes here at the same place as me!!!

Scooby

Is bankruptcy the only option?
How likely is it of losing my house?

Scooby

Hi I am just being made redundant what can I do if I cannot get a job earning the same money I am on now?

My IVA payments are 25p/£

Scooby

Hi I forgot to say my IVA was accepted at 25p/&


Scooby#

Hi NAT WEST was one of my cresitors them and RBS were the only creditors who actually voted in my IVA both voting yes.

Scooby

THANKS

Hi

But is this based on the valuation I gave whilst my IVA was being set up or a valuation at the end of the IVA?

Scooby

Hi

The amount of equity payback to the creditors is 75%,
Is that of the valuation of the property when you start the IVA or is it at the end of the IVA?

Scooby

Speak to your IP and tell MBNA you are no longer dealing with them and tell them to contact your IP

Scooby

Hi I opened a new account at the Nationwide on Wednesday all I needed was a passport and utility bill. The account was opened there and then I didn`t even have to put any money in there and then. It is a basic account which offers Direct Debit and Standing Order facility with a bank Card for withdra...

Probably only if you have a ortgage and yor mortgage rate goes up

Scooby

Hi

Can you tell me how an IP contact creditors. Do you send mail recorded delivery so you get a signature to prove they received it?

If not can the creditor just say we did not receive anything and know nothing about it?

Cheers Scooby

Hi if you do get another job and the salary has say increased by 2k per annum after additional travel expenses of £500 are you expected to pay the £1500 into your IVA or 50% of the £1500

Scooby

WELL DONE & CONGRATULATIONS