I can see by the time you put into this forum alone melanie that you are an excellent ip and by looking at your feedback and all the 10`s i think you would pass them exams easy with distinctions, but i reached this forum to late or you would have been my IP too.I admire your work greatly keep up the...

do you need a degree to be an ip? i think it would be a very fullfilling and enjoyable job helping the needy + creditors and getting paid well into the bargain.I T +computers was once the way to youngsters leaving school but the whole country is up to their eyes in it including me [V]

hi all i have paid £13,400 into my iva its been going for 2 years at £555 a month with and equity release of £1125 (set amount)in the 4th year £33,000 in total to pay at 34p in the pound.All my debts have been sold off to 3rd party`s the report says the ip will charge £1100+vat per annum.My father h...

can you give me an estimate of how much ip fees will be saved if the iva only lasted 2yrs instead of 5yrs?maybe £15,000 is on the high side to offer incase they ask for more opinions please [:I]and thx again what a super site this is for proffesional advice in seconds that you would normally pay thr...

thx mel for rapid reply so my next step would be to contact the iva office and should i say that my father will lend me the money? the only thing i worry about is that they wont accept and still ask for the money uff

hi all i have paid £13,400 into my iva its been going for 2 years at £555 a month the total i need to pay is £33,000 my father said he would borrow me £15,000 max and i would pay him back do you think this offer would be a waste of time?i also have a 4th year remorgage to raise £1,025 it is set at t...

hi thx Melanie
the blackhorse loan wasn`t secured will they lift it after completion?

regards

hi everyone can anyone help with this please i have seen that i have 2 charges on my mortgage one from the iva company is this normal? and 1 from blackhorse these were added to the iva but this wasnt a secured loan so i cant understand why they done this do you think i should contact them about it o...

hi thanks for all your replys and advise i have been sent an email for a new expenditure form i will fill this in again and then they will understand why i am struggling i hope[V] i am so pleased to have this forum at hand with so many intelligent very helpfull people all willing to help the needy. ...

hi i have been in an iva for over 2 years and if you have children(i have 4) the allowance you receive for food, clothing etc is no were near enough i can`t even afford to put clothing on their backs.They are badly fed and look like tramps all the time surely the goverment or iva makers or something...

hi am i correct i read somwhere they dont print it in the local papers now?and also would this tarnish my childrens credit in years to come ?i was also concerned that my children will suffer at school from other children finding out has this been the case for some ?so many questions my head is in bi...

Have you not thought about growing your own its so simple grows itself .Its enjoyable and takes your mind off all the debt matters ,you cant beat feeding the family fresh home grown produce .i have raised beds i got some old scaffold board nailed them together so its 12 inch from the ground and fill...

Why cant a day last 12hrs then the iva would only take 2 and a half years to finish[xx(].I seem to hide away in the house never go out much with no money whats the point.I had a treat yesterday i paid £1.50 for the window cleaner to clean the windows so at least i can look out of clean windows ahh w...

hi me again , i pay £555 per month to my iva and after my review somehow they say i have £40 extra that i need to add to the iva,i wish i new where from because my payrise isnt even that much but what i was going to ask was my combination boiler is old and i enquired with B/GAS about breakdown or ho...

cheers!! dependable andy quick off the mark again.
quite a few on here need awards for the help they give to the debt sufferers keep up the good work[:)]