Hi Monkey, Just another piece of advice, if your current account is with one of your creditors transfer to another bank asap. I had no problem getting another bank account straight away and make sure you take enough money to live on out of your current 'current' account until you next get paid...hop...

Hi Roadrunners, Not sure on this one. I didn't have a reveiw at the end of my first year.....heard nothing but i did get a copy of the creditors annual report. I was only requested to do a review last Nov (end of second year) and today got the creditors report again but no mention of my I&E. Must sa...

Hi Icjones, Yes Kallis3 is correct. I just got my Annual Report today (end of 2nd year). Such a relief seeing my IPs comments in black and white 'I can confirm that payments are up to date![:D] My anniversary is in Nov and i sent all my docs and I&E off back then...and since I have waited and waited...

Hi AOWE, Both RBS (owed approx £7000) and Barclaycard (owed approx £1000) are creditors of mine. Been in an IVA over 2 years now and from what i remember they both voted yes. Fortunately for me I got my IVA on the go right at an early stage, worse case scenario was my creditors were only one payment...

[:)]thanks Swans Girl. Somtimes I feel like I am living a double life..like acting. I act like nothing is wrong and to everyone else they haven't got a scoobies. There have been a couple of occassions where i have had to think quickly and worm my way out of a situation like when someone asked me to ...

Thanks for all your kind comments and support. I have quite a stressful job which doesn't help especially when you are preoccuppied..had one of those days today when you are on the edge of bursting into tears.....people just think i am a bit run down. Need to get a grip and be more positive, after a...

Hi Kallis,

I think Fergiedoggy meant in my instance...if asked if i have been bankrupt then say no...which is true....meaning I don't have to disclose that I have an IVA.

x

Fergiedoggy, Thanks very much for your reply and kind comments...made me cry but in a good way. I am single and live alone and it is very hard coming home and not having anyone to discuss my problems with. Not sure...but regarding 192 check...maybe they mean they go one the 192 website and a contact...

Hi I wonder if someone could give me some advise.....my head is pounding thinking about this and I have no one to talk. I currently work for the government...have done for over 20 years. I am about to be offered a job by a contractor who works for the government. My salary will by £15-20K more than ...

Hi everyone, I have just started my 3rd year in my IVA and I have a couple of questions:- 1. I am in full time employment but i am about to be offered a new job with potentially significantly more pay. I know i will need to do a new I&E which is fine but my question is if I cleared say an extra £1,0...

Hi, I had a similar letter about 3-4 weeks ago from a firm called Debt Doctor! It went in the bin at the time but from what I can recall it said very similar to the Goldsmith Henderson letter. The only one who can help me get out of debt is myself..almost into my 3rd year...it is stressful at times ...

Hi, Just a quick update. I spoke to my IP administrator last week whilst collating my payslips and P60 and explained that i never had a review last year (just about to enter into year 3), and that i did have a bonus 18 months ago and another one in Aug this year. I also explained that my I&E disposa...

Hi, If you just want a decent card that is accepted all over then try Mastercard Cash Plus. When i started my IVA i opened a Basic account at the Abbey and found it difficult because there are lots of times when a card would come in handy to pay for things...ie over the phone/internet. Mastercard Ca...

Hi, Thanks for all your comments they have really helped. I will sit down tomorrow and get all my stuff together and do a proper review of my expenditure. I am still going to pursue another part time job....gave in my application form at my local tescos today. What worries me more than anything is t...

Hi everyone. I have been in an IVA for 2 years now but never had a annual review. I have just received my first request for one from my IP. It is for a review of the last 12 months. It asks for last 12 months payslips, my P60 (which will be 01 Apr 07 - 31 Mar 08 so won't cover the current 12 months ...