Thank you both for your replies. I dig out a number and give them a call.

Cheers

Rob

Thank you for the reply!

I live in Southampton, and I have taken all day off on 14th February. I am meeting with the CAB at 9.30 am and then with the people mentioned above at 11.30 am, so any time after that, or in an evening would be good.

Thank you so much for your help.

Robert

Back from the weekend. Another question has arisen. WHat is a reasonable fee for IVAs? I have been speaking to some IPs trying to arrange a meeting, specifically as I would like to talk face to face with someone, and am having no luck, everyone wants to contact me by phone. not convienient at work!!...

Thank you Mr Beck.

Sorry If I come across a bit daft with all this but, the whole concept is new to me and I am a touch worried about it all!

Thanks

Rob

Cheers Ang.

Just a quick one though. Did you go via the IVA route? If so how have you found it? I am worried about losing all I have invested in my house etc, I would just like a perspective from someone who is actually there doing it!

Thanks

Rob

Does that count for things that are only in my name, like TV license, the mortgage etc or is it all household bills??

Any advice appreciated.

Thanks

Rob

Cheers Ang,

I was only worried that things would sound to high?

Also would they take into account my other half's money/income?

We will be married in August 2008!!

Thanks

Rob

Out of interest who decides what are fair expenses under either an IVA or DMP? I guess that this is a matter for mediation, but are there any guidelines?

Thanks

Robert

Have a chat with an independant financial advisor, I think that rate is expensive, subject to your current mortgage you should be able to remortgage when your current deal ends perhaps for somewhere between your current rate and the rate of 7.69! Is that expensive even with an IVA in place. I am le...

You are certain to get nowhere near your current rate when this deal ends, so your mortgage payments will increase. Try to find out from your mortgage company what the likely level of payments will be once you're on the "normal" rate. If the increase will be £100 per month rather than £50 then I am...

Sorry, I forgot to consider the increased mortgage payments you were talking about before. How much would that reduce what you could afford to pay per month to ? Not entirley sure as I have not yet looked at changing mortgage, was waiting until April which would be three months before. I am on a ra...

Cheers Size5, advice and clarification much appreciated. I assume that you agree with Mr Beck that this is probably the best way forward rather than an IVA itself?

Thanks

Rob

ianmillington wrote:

I recommend you check your members handbook to see what the specific provisions are.

I have briefly looked at your associations website and can't find anything in the 2006 rules.

Thank you very much. I will do that shortly. Or I might phone them. Thanks for looking.

Robert

Thank you very much for your advice Mr Beck. I will approach CCCS. One question though. This is as I understand it not a legally binding agreement? Thus the creditors could say they accept and then just turn around and charge interest etc and I don't have a leg to stand on, is that correct? Also my ...

Also another thought. Will an IVA affect my right to practice as a member of the Associations of Tax Technitions? Which I need to be a member of for the purposes of my job?

Thanks

Rob