I was in an IVA for two years - retired and my only income was my State Pension and disability payment. A chance discussion with someone who told me I was silly. BR receiver does not take in to account benefits and state pension. Stopped paying IVA, money saved put aside to pay (cash) for bankruptcy...

Thanks

I have now added as a frugal friend.

Sorry for the inconvenience

Philip

Paul - you mean they drive on the wrong side of the road....................... Jan I would love to be able to hear your experiences of your husbands dementia - things to come for me. However this is not the right place to do so. If you would like to, ** bearing in mind that I will be away for the n...

Thank you all.

We are putting any decisions out of our mind and enjoying our holiday. No doubt it will be in the back of our mind though.

We have booked the biggest SUV and disgracefully gas guzzling car we can! Hope it roars like a lion.

Thank you all for your kind and welcome good wishes. Sadly dementia which apparently can come in several forms Alzeimers being the most well known is non preventable and there is currently no cure. The medical research I have enrolled in may at some future date help others. There is nothing I can do...

Dear Jan, Thank you very much for your support and words of wisdom. As you say doing it yourself cost £150 for each element and I will sweet talk to my GP for a pro bono signature. Since being diagnosed I have joined a couple of networks and I am taking part in a research project into dementia. At t...

Michael,

That is sound advice and I think we will write the same letter to both our IP's outlining the situation and see what response we get

Many thanks

Thank you I did try to have a word with my case worker. Unfortunately she did not have a clue about LPA's or The Mental Health Act or The Office of The Public Guardian. I suppose my question is will my IP have to comply with the above bodies once my LPA is registered and will this have any effect on...

Can I add that this happened to me. My wife was accepted and I was rejected. I immediately applied to another IVA company and was accepted. However in hindsight I should have gone bankrupt and would now be discharged instead of having to pay for another 4 years (6 years in total) dependant on the va...

Thank you all.

I have now accepted the pension, so deferment not an option. As I was not working prior to my accepting the pension the nil NHI has no effect.

The IVA was only able to proceed with the income from my wife and my disability pension.

Ah well.

David, I am slightly concerned regarding your remarks "what's the problem" Only today I read that expenses claims from MPs is up for sale for £200,000! I guess the staff working for IP's are not 100% vetted and have CRB Checks??? they are probably not that well paid and in the majority have no forma...

As I said earlier there is some flavour of disagreement between IP's. It is not as though there is anything to hide on the bank statements it is simply my wife feels that it is an invasion of her privacy, I actually agree with her. However the bank statements and her payslips are winging there way t...

Again thank you all. To keep the peace my wife has agreed for the bank statements and her payslips to go to the IP. It is a shame that there is so much inconsistency regarding IP's and their requirements.

Thank you all - there does seem to be a divergence of opinion as exactly what the IP can ask for. The fact is that she pays the majority of the bills as my only income is my small pension.

Thank you all, I did not have an agreement with my IP about a reduction. However they were aware and simply said when I queried this that they would deal with this when it happened. As I am sure you will understand, hindsight is wonderful and looking back there were probably many more questions I sh...