tori wrote:

will have to get my speech ready just in case im ever confronted with someone sayin 'ooh guess what i've seen ur name on the insolvency register [:)] x

So what if they do - there are far worse things to have them say like """ ooh guess what you smell """ [:o)]

Mines not a meeting as such they are going to phone me and we will go over it, I guess. I am with Payplan. I am kinda thinking that maybe the huge screw up they made and which I thought they rectified in the sense I got accepted for an IVA may actually turn out to be a massive screw up but we will s...

signed it[:)]

[:0] wow I have ny first IVA review tomorrow at 11am have no idea what to expect but do expect them to get their figures right[8)]

Huge congrats JPJ, bet you can't stop smiling or you will when it sinks in. Hope you still stick around as your posts are still of great value as someone who has the T shirt so to speak. This forum is so lucky to have the likes of Melanie and all the rest who offer their services and support freely ...

Being fairly new to my IVA 7 or 8 months in now. This thread is abit confusing as I thought the whole point of the reviews were to cover issues like what the insurance covers. If I lost my job tomorrow I could not make my payments. I guess I am going to sound daft but the IVA and my creditors would ...

Good Luck and let us know how things go on the 25th as if approved thats when the fun starts. Good luck with the de cluttering it can take an age thats why I have not started yet hee hee Just started my IVA as from 12.10.07 What ever deceision and choices we have ever made, are the ONLY and BEST dec...

Hi Vikir, If you are selling things that belong to you like you would at a car boot so you can declutter then you get to keep 100% of the money you make on our beloved Ebay[:o)] If however you want to start a business buying and selling on stuff then obviously this would be classed as earnings. Hope...

Hi Cr15py, After your IVA is approved thats it they all get notified but sadly internal company communications are very slow when it is in our interests - strange that [}:)] If you want to talk to them then do so, I started the conversation as My IVA has been approved if they got abit funny I just s...

Hello Imran7866, As I said before HSBC's 40p is flexible. I failed my first creiditors meeting because of them bringing in their 40p ruling. Payplan who I am with were superb they went back and spoke to them about my situation and they accepted 33p. And thank God they did. I did not even have to off...

Surely your partner (even ex-partner) & kids are your immediate family H&S?? Ellie get a grip will you [;)] your kids are always your kids. And your ex well theres a reason they are your ex or else you would still be with them and if their opinion really counted you'd still be with them - ooh I rep...

Hi Kilohurtz, For me personally BR (Bankruptsy) was not an option I could consider as I jointly own my home with my parents as unless they could afford to buy my share which they could not, they would be forced to sell. So that is one difference. There will always be companies who will offer a mortg...

Hey Steve, I knew you would ask me that and nowt cheeky about it I did not name them as I cannot really remember the other one too accurately. Payplan who is whom I chose to go with. The other is CCCS or CCRS or something like that both of these are still a business so need to cover their costs but ...

HSBC's 40p in the pound ruling is not set in stone for all cases.

Just started my IVA as from 12.10.07

Hey 2yrsin, At the end of the day just be honest now you have realised it and tell your IVA provider. Explain the situation at the end of the day it is an easy mistake to make as it is money which as far as you were concerned you never got your hands on. At worst they will expect the full amount pai...