Hi karenanne23,
I am with Grant Thornton and had my IVA approved on 29th Sept and I pay my first payment on the 29th October. I hope your application is approved and will keep my fingers crossed for you.
Good Luck


KLG

Can someone clarify the bonus/overtime/windfall clause plz I have the above clause in my proposal but nothing regards an increase in net income.......does this mean I don't have to declare say a pay increment? does pay for unsocial hours just get included as basic pay. It's just that the pay used to...

Hi Fuzzy, I had my creditors last week and much like yourself I was secretly hoping for an approval but half of me was ready for a no....it was quite a strange emotion, I wanted a yes but had resigned myself for a no......my thinking was that regardless of the outcome there was still a different pat...

I know NHS pensions (basic of 6% into pension) is ring fenced no one can touch it even in BR, think this is the same for council workers

Sorry to hear of your misfortune Pixie, at least Lloyds were on the ball. If you are not allowed to update your Norton antivirus, can I suggest you download a free programme called Spybot (I only download such files from CNET.com)it is very good and will rid your computer of adware tracking cookies ...

Hi, I think as the others have said check out the reviews on www.iva.com. I am with Grant Thornton but have only just had my IVA approved so it would be wrong of me to say that they are a good company. I can say they were quick and fair with the application process but will only be able to comment o...

Thanks for replying so quickly,I will obviously give her the money back for the prepayment prescription certificate and tell her not to purchase anything for me on it in the future....I will tell her its not allowed in the IVA T&C's bless her!!!

KLG

Hi all, I have a question which I haven't seen asked in past posts. My IVA was agreed last Monday therefore leaving me with just a cash card (no debit card) Well my friend has made me an additional card holder on one of her credit cards, but she hasn't given it me she has said it is for ease of payi...

Hi all, I have just received my chairmans report and this is how they voted A&L-C/C (£11,128) YES Lloyds TSB-Loan (£7,818) YES Lloyds TSB-C/C (£5,458) YES Lloyds TSB-O/D (£3,216) YES Halifax - C/C (£4,083) YES Capitalone- C/C (£7,022) YES Barclaycard (£1,220) NO GE Money-storecard (£932) NO Argos- S...

Great news bettyboop[:)] I bet you are really relieved hence your emotional state, Mine was accepted on Monday and It was only then that I truly realized how depressed and miserable my financial mess had made me. I shredded all my letters and statements on Tuesday (just kept the printout of my credi...

had me vodkas now, boy my cheeks are glowing.........just had to turn the heating down and open the back door (vodka was a present from a friends holiday 100% proof and I only usually drink at xmas, didn't think it was good to celebrate with a ciggie as I gave up to qualify for an iva) Anyway [:I] j...

Thankyou for your responses and yes the relief is strange but good[:D] I feel like I am on a high (I am getting face ache from smiling, not done that for a while) I know the high will subside but for now I will enjoy it, I am even happier that I don't have to pay my first payment till the 29th octob...

Hi all, Got a call to say that the IVA proposal has been accepted, the only variation was to do with the IP fees which I was told didn't affect me or the payments. Don't know what the voting status was for each creditor yet, but I was told that no one voted against but there wer some who didn't both...

Oh right.........I see, silly me[:o)] Maybe I did get it then with my tax code changing this month, I get varying amounts in unsocial hour payments so its not that obvious to see on my gross income. I am no good with all things regarding money, but then my membership here proves it [:p] I am going t...

I know I feel cheated as I didn't get mine either, I work for the NHS and payroll are a bit slow on implementing any change to pay. I did notice my tax code changed in Sept but no mention of a tax rebate or overpayment on the wage slip....hey ho I am sure I will get it in time. Getting in dec pay wo...