Ar well if that is the case then I am sure it will have to be paid over.. I read through my IVA back to front a while back and there certainly is no mention of anything under £500 being kept by myself.. Would have been nice seeing that due to all this recession malarkey I have been rather tight on m...

Been a while since I needed any additional advice from this very useful website, everything has been running extremely smoothly over the past 11 months of my IVA, but today I also received a TAX rebate for £315 based on the 2003 - 2004 Tax Year? over 5 years ago?? Rather odd its taken this long.. bu...

Hi, as everyone has mentioned it does all depend on your IP and the company you use, I have already asked my IP's assistant and they only ask for 3 months wage slips, P60 and 3 months bank statements, along with and new I&E form, I am the same where I just use cash, I withdraw a certain amount a wee...

Well at the end of the day Melanie, the most important thing financially is my IVA and helping it to proceed without any hick ups is my prioity. many thanks for your continued help and advice, you are a goddess to people like me on this forum.

Many many thanks

Darren

Thanks Melaine, I do understand what you mean by being encouraged as I would assume that is what an IVA helps you to achieve in the future, as to saving a lot of money, the money I put aside is the emergency and sundries money I have in my I&E form, the only thing that bumps this up is usually the a...

Many thanks Andy, that has cleared that up, I don't suppose there is a cap of what I can save or is there a point where what I save can be deemed ''too much'' just an item I recently sold on ebay made a few hundred quid and this has been put into my savings, I have planned to already use this to ser...

Hi guys I hope your all well.. I have been looking at these prepaid card things that have seemingly had a lot of people I know raving about.. Now I know how this could actually be a good idea when in an IVA and I am tempted myself to get one, but looking at the monthly fee's and what not put me off ...

Good luck Flaps for today.. wish you all the best. I know as well as probably most people do on here how nerve racking it is waiting.. but try too keep busy... As for the topic of this post, I have the same problem with letters after litters from National Debt Recovery who are run from Littlewoods, ...

Thanks Melanie I will do just that, thanks for the help yet again

Darren

I was a little concerned about the whole DebtMatters situation, but I have my IVA with them and have done since mid May this year.. Who knows.. But the one thing I can say is that they are doing pretty well for me so far, Never had problem in contacting them or getting answers I need which is what I...

if this is the case, do you think that even if I pay the 50% over to my IP as and when I get it, that this will at all effect my next years outcome if it is still going to be based on the following year?

Regards

Thanks for the info on this.. Still not to sure what to do about the extra money I have had due to overtime and bonus though.. Melanie does that mean that the assessment will only look at what I will have to pay for the following year only? Does that mean they wont base it on what I have earned duri...

Hi guys.. I have a question that I cant seem to find an answer for on here, I'm not sure if there is a specific answer either.. I've look through the forum and people have said about the 50% to be paid over to your IP from bonus and overtime earned, but my IVA does not seem to have this wrote in the...

Arr.. well we can't all be correct hehe.. Sorry about that mate.. I could of sworn I read something before about BR, but, definitely do not take my word for that.. lol

Hey Andrew, I'm not to sure on the answer to that, but I'm fairly confident that BR stays on your credit history forever where as an IVA comes off after 6 years, Where an IVA last for 60 months or 5 years these count on your credit file, so if you have an IVA for 5 years, 1 more year after that then...