I'm sure you are right on that. Just seems strange that they'd want a pension lum sum handing over, since no one in his right mind is going to take a chunk of his pension, which is after all optional, only to hand it away. That is of course unless it was sufficient to offer a full and final settleme...

Are we saying then that pensions since 2000 are treated differently in bankruptcy than they are in IVA's? Or, that I'm maybe misunderstanding the legislation in the government link in my previous post?

But, if someone is already in an IVA, do they need to declare a pension lump sum payout, or the income from a pension, both of which happen after the IVA is commenced? I know this information contained on the site below is for the situation re bankruptcy, but haven't things altered since May of 2000...

Wow, is it really so long since I started this thread? Time flies. [:0] Anyway, just to say that there was no problem getting a new tenancy agreement on another house. Obviously I was upfront with the letting agents who happen to be the same ones as with my previous home. Been here a couple of years...

To me as I`m sure it is to most people one of the worst things about going BR is the thought it gets in to the newspapers. I think I`ve read though that it`s up to the Official Receiver (or whoever it is that has charge of your case) as to whether it is made public or not. I believe it always has to...

Thanks all for your replies. I`ve now spoken with my Supervisor who suggested I wait until the tax people have completed their enquiries and if they say I do owe back tax to pass that information on to the Supervisor.

And, if I can`t increase the amount I`m paying, what then?

Could the Inland Revenue seek to make me bankrupt?

Cybus, I meant at the end of the last calendar year, the back end of November I think it was. The IP didn`t know about the unemployment situation, as that was something I have done since the IVA was arranged and agreed. As for the tax enquiry, I only found out about that a few months ago, so again, ...

I took out an IVA at the end of last year, and at the time I was self-employed. The business was going downhill fast, and I took the decision to end the business, and become unemployed, claiming JSA, and am now looking for a job. The tax office is doing an enquiry into my returns for 2005/2006, and ...

Ok, thanks. I`ll let you know how I get on.

I wouldn`t want to get a guarantor.

I`ve been in my present home which is privately rented for 12 years. Unfortunately, my landlords have now decided to sell the house, and I`ve been given the statutory 2 months notice to vacate the home. I`ve always been up to date with my rent, utilities, council tax and so on. But, my question is t...

I`m still not getting much sense out of them. I think it`s time I moved on and ask someone else to handle my case. Is a face to face meeting absolutely necessary between IP and client? If I`d continued on with GT then I suppose I wouldn`t have been asked to travel over to Belfast for a meeting. If i...

Thanks, it`s interesting to read the experiences of others who`ve used them. Melanie, in answer to your question "Are they intending on holding a separate meeting with you at some stage - either by phone or face to face." I really can`t answer you, we don`t appear to be anywhere near that stage yet....

No, Andy. The person who visited me was there purely to gather information to send on to GT. He worked for another company, not GT directly, and getting details from people at their homes was just one of the jobs he did for his company.