Afternoon folks I’ve just had approval from my IVA practitioner to for student finance to allow me to attend college. I’ll be doing this along my current job role (wish me luck!) so no problem maintaining IVA payments. The whole point of the course is to move onto University which is a full time cou...

PS don't worry, nothing ever good came of it and your IVA should relieve the main worries of being in debt. You'll be fine. Thank you. That’s why I came here,I was just shocked to see how many people said they are rubbish on the group. It made me panic a bit. I’ve only been doing this 6 months so I...

Ther figures look OK and the fees will have been agreed by the creditors (who have, over the years, actually been setting them at this sort of level themselves). At the end of the IVA, when concluded successfully, anything unpaid will be written off. They will only come to you for extra money durin...

Hi folks I got my IVA agreed in August over 6 years. The financials are noted below. Does this seem right? I am at risk of my hours at work being dropped to a zero hour contract meaning I’d have to find a new position possibly on less money. I contacted my IP and to be honest I think they’ve been ru...

done

Thanks Froggy! Your so helpful. You were very welcoming on my first post too. My budget has things like Medical/Dental costs - these arent things I would necessarily pay for a monthly basis, am I best to withdraw those funds from my account as cash and put away? Also, am I able to pay for things in ...

Also - do I need to be checking my credit report for default dates ect?

I am with McCambridge and Duffy and I seem to struggle to speak to my actual case handler - I get the impression I dont have one person but a team, which makes things a bit challenging when I have questions!

Thanks

Evening Folks My IVA has been all agreed! I have a very long road ahead! I have already earned bonus on my first wage (back from mat leave) so I've had to make a overpayment - so I've got that down. I know how to work it all out ect. Can people please share and hints and tips to make this journey as...

Thanks for your help, I am just getting the proposal all drafted now.

Moria717 - you were made to extend so you didnt have to release equity from your husbands mortgage, is that right? I hope that doesnt happen to me. Its all very scary at the moment. 5 years seems like such a long time.

Ah ok that makes sense! Thank you so much. I'll obviously double check that with my IP but I am happy with what to expect at least. Just gathering all the evidence now and filling all the paperwork in. Hopefully all over and done with soon! Whats the best way going forward? I usually use cash for mo...

Thanks! Its still early days so I am hoping it doesnt take too long. Do you know how it works re: bonus. I can earn bonus from my employer but its on a as and when I hit targets, will this need to be paid into my IVA also? From reading other posts, I get the impression you have to justify every penn...

Morning Folks, Newbie here! I am in a pit of no hope lately financially. £29,000 worth of credit card/loan debt, paying only minimum payments and nothing left over so I always re-spend. I am married, mother to a young baby - but the IVA is just for me. Our house is mortgaged but soley in my husbands...