hi john good luck .

*I have deleted the rest of your comments creditcrunched as I think they were unnecessary.*

hi thomas charles are an intermediary and just collect the info for your case and pass it onto a IP so the fee you have been charged for the service will not go towards your debts its for the service and to be quite honest you neednt have paid it if you had gone straight to and ip all monies would h...

read your chairmans report all cases are different in my case anything over £500 after tax i am to split 50/50

I would speak to your ip as you may need a variation from the creditors as an extra 12 months of payments is going to be well short of the 32k required. I think the extra 12 months is usually accepted if it is near the figure required but of course this will depend on the creditors that is why a var...

yes i think it is an excellent offer and will return virtually the full dividend by the time fees are deducted go with 3k your ip will tell you if they think the offer is acceptable.if you need help with a letter to send to the ip stating the offer there is a letter head on this forum good luck i ho...

if you havent signed any documents there is no harm in getting more opinions from more experts one or two on here a highly recommended melanie and david i for one wouldnt go near a big provider

make sure you will be able to afford these payments you will need to for the full 60 months and it is a struggle this is the most important stage of an iva and the root cause of most failures dont be pressured into accepting a payment you cant maintain for the term.

yes i hope you are correct just that one vote of yes would tie them all to the f+f.
i would think most of your debt will have been sold on but??

it would have been better to get permission first from the ip but i would hope he will see the car was a must needed item because if you cant get to work you cant pay the iva


good luck

yes they can all vote for the f+f

I take it you have paid about 8k into the iva with approx 6k remaining you will save on fees for 2 years but also need to pay a fee for finishing early i am no expert your ip can advise a settlement figure but if i was offering taking into account they will be getting their money sooner it would be ...

More borrowing required and when the economy is on the up he will hit us hard with taxes[:I]

get a joint of ham ordered aswell as the 20lb turkey[:D] Speculation is growing that Prime Minister Gordon Brown is planning a £15 billion package of tax cuts to boost the ailing economy. Mr Brown fuelled expectations of tax cuts in the upcoming Pre-Budget Report when he said there was an "emerging ...

Yes that will have to be the case but i think we will be looking at a couple of years before it goes up in my opinion ,so now is the time to get your iva insurance and increases added to your I+E you need sorted put to the ip before payments are increased.

I put my petrol up by £60 this wasn`t questioned ,its nice to get through your review and get it out of the way its like going through it all again at the start i was pleased to get mine done also.