Hi
We completed with a full and final last September (can't actually believe it's been a year!). Please could you send me details of the Broker for mortgage help please too.

Thanks xx

Hi Everyone After 3 adjournements and 1 what you might call 1/2 adjournment (it's funny now, but at the time was very very stressful) we are finally DONE, our IVA f+f was accepted and we are absolutely over the moon. Can't actually believe it's all done, and it's a weird feeling. Have transferred th...

Hi Everyone After 3 adjournements and 1 what you might call 1/2 adjournment (it's funny now, but at the time was very very stressful) we are finally DONE, our IVA f+f was accepted and we are absolutely over the moon. Can't actually believe it's all done, and it's a weird feeling. Have transferred th...

Hi everyone

Our IVA f+f has been adjourned 3 times, but we should finally have an outcome tomorrow. Thanks for all your support so far, it has been really stressful xxx

I am sooo scared awaiting the outcome :( We are year 3, and our circumstances have changes so much from when we first took out our IVA. I am hoping and praying sooo much our offer gets accepted. Feel sick with worry, like when our first meeting took place (and was adjourned, and then finally accepte...

Hi It's been a while since I last posted! I wanted to ask, my fiance' is being made redundant next month, and we have worked out tonight that he will be receiving £8475. We are just about to start our 4th Year of our IVA (of 6 as we had to change payments after job problems at the end of year 2). So...

Thank you, I wish I could enjoy it rather than be stuck worrying about the £12 a week we have for shopping, and job searching 24/7 that's how it seems to be right now. Melane I'm not sure how to work it out, I think our current divident is 48p in every £ and we are currently paying £350 a month back...

Hi As stated above, I have been looking for work. I was actually given a job for 8 hours a week fitting in with my partners work, and with a friend who would look after my son, but after working all monies out, we would end up £20 worse off that our current scenario - so it just wouldn't work. I am ...

Oh right ok, so it's not something we specifically pay out extra. I was getting worried then, if, and it's a big if, we have to go down the BR route, I assume we will just pay the courts fee's and then any payments we can afford from I&E form, that is over and above the 99 pounds mark.

Ok, think I will have to contact them tomorrow and see what is said.
Just noted a few other bits from proposal.
5.10 - If my partner and I are declared bankrupt, the Official Receiver immediately becomes entitled to an Administration Fee of £1,625 for each bankruptcy.
What does this mean exactly?

Thanks both for your responses - as for the other question about if the variation fails - do we instantly then fail and have to go for bankruptcy, or would it carry on as it has until we then opt to change it?

Thanks in advance

I think I've just found the bit I was dreading -in our proposals - it says 5.7 If the Supervisor calls a variation meeting an additional fee of £500 + VAT will be charged...I guess that's the bit we didn't want to here. Does anyone know if we would have to find the money to pay that up front? Or wou...

Hi It's 220 p/w after tax - so around 880 a month for a 4 week month The problem we seem to be coming across is with childcare costs we cannot afford for me to go back to work full time at all, and any part time work, we then lose out on tax credits and housing benefit, so dont end up any better off...

ps our IVA is currently £350 p.m

Hi I posted a while back about our payments getting tight. Well, like everyone else, everything has gotten tighter. My partner was made redundant in June, (when started a new job - directors had been v illegal etc) Anyway, he is now in a temp job, earning £220 a week, I finished maternity leave and ...