Thanks again,

DT

Thanks for the tip off Melanie.

Do you think there would be scope for making a lower offer first, then seeing how negotiation works and go from there, or does it not work like that?

I we were able to close at 7k for example, Wedding bells may chime earler as opposed to later!

DT

Hi all, Original debt 43k approx. Paying back £360 per month,60x = 21k approx. 24x payments made, leaving 10.6k to pay. My new (relatively) partner sees the stress I feel from being under the IVA, and is considering releasing funds from her equity to clear balance due. Do you thinkk thyat under the ...

Wizard, you're stories sure make me chuckle, I'll miss them while I'm away next week, starting a new job so of for Induction Training. Which will be interesting, as I'm a Business Trainer! "On the 75th day of Christmas, my true love sent to me.... Mulled wine, just cheap red, yeast and honeeeeeeyyyy...

Morning all,

"On the 76th day of Christmas, my true love sent to me...

..a home made fruit cake, yummy for my teaaaaaaa"

"On the 77th day of Christmas, my true love sent to meeeeeeee....

... a cardi that aunt flossie knitted for freee"

That's interesting, I thought that, like any other service, you could switch if you felt that you weren't being offered a good deal or good enough service? Is it a case of, because it's lodged in court, there can be no variance? I'm always interested in the technical aspects of things like this, if ...

"On the 78th day of Christmas, my true love sent to me ...

.... A shirt and tieeee from a charity shop ...."

DT ..

Hi Fox, it is complicated isn't it ... Maybe when you're due for your review you should just ask your IP, I've always kept in contact with mine, and I've been faced with a fair few challenges in my first 30 months of IVA. If he says they have to stop, well, they have to stop (suspended actually) unt...

With reference to a cheque "guarante card" .. this is how they work ... A cheque, if issued, and then bounced due to lack of funds, so long as it is under the guarantee amount, will be honoured by the insurance of the guarantee card issuing company. It's a bit of an untidy system, because it will sh...

I was told that any AVC's (Additional Voluntary Contributions) had to stop. My understanding is that because a non AVC pension uses your National Insurance Contributions to build your pension it cant be taken away from you. You cant, however, make additional payments, as these are above and beyond t...

When do I stop being a "new member" ... is there some dodgy initiation cerenomey involving juggling cerdit cards and beating a loan shark?

Thanks Melanie, didn't want to break any rules, especially in my very first post! Have a look at http://www.bellhire.com/aboutus.php They are part of a group of companies, all specialising in cars in some manner. Im assured that by renting for a 6 month period, I'm showing them that I can keep up re...

Hi all, I'm new to this forum, couple of years into my IVA, actually, no, I'm exactly half way through this month, hurrah ... Just moved from self employment in to secure employment and offered a car allowance as part of the offer, more hurrah ... Contacted my IVA peeps, (Langley London)and asked f...