Thanks for sharing your good news. Hope you will enjoy peace in your new home, best wishs, Cazx

Ok, I will patiently await my IP reply..thanks anyway and good luck tomorrow, hope you don't get caught out. Sweet dreams.

Thanks Melanie for your very prompt reply. Does this mean I can spend my increase(SENSIBLY) or will I have to save it up to pay into iva. My next review is not due until August.? I hope you have your dressing gown on now and are ready to go to bed soon. You do an amazing service on here but take car...

Sorry Melanie I think there is a slight misunderstanding here.The clause regarding fees was not rejected.Ian was just enquiring as to whether this was one of the items 'Rejected by debtor'. Please could you be so kind as to indicate what usually happens with pay increases. Mine was backdated so does...

Thanks for the replies. I wish it was that easy, unfortunately i have to wait another two weeks for my letter notifying my IP about my salary increase to be reviewed by my IVA company thats why i was hoping for some general views about what would normaly be expected.I have never spoken to the IP at ...

Actually no Ian it just states that fees over 4.5 k must be approved by the creditors. I am stil unclear what this means to me if the modification was rejected does that mean i dont have to pay the 50% of all Increases into the arrangement?.....from 'ever hopeful'! Seriously what do i have to do wit...

Please can someone explain the meaning of this phrase. I have been looking at a document entitled 'modifications proposed at the meeting of creditors' and the first four clauses of 17 are followed by this statement. I am paticularly interested in point 3 which includes;'50% of all income or revenue ...

I'm in Southampton area and would love to meet some of you.

Hi Elk,I am experiencing the same frustrations as you because the IP at DFD is not available to discuss our queries.I suppose this is because they are a large set up and because of this unable to offer the personal service we need.Good luck with the offer...let us all know if you get your freedom be...

Thankyou so much for your prompt reply melanie. i wish i had you for my IP are so helpful.Ive never spoken to mine at DFD.

I have just had an increase in my salary. when will i have to increase my payments to iva.I am hoping to move to a new long term rented flat which is going to cost more than i am paying now but not more than the rent i was paying at start of iva which the creditors originally approved. Do i have to ...

I am living in short term rented accomodation and need the security of a home long term. My rent is £700 per month.Will I have to wait for the completion of an iva before I can consider taking out a mortgage?