Hi, we have just been informed that one of debts from a bank we have in our IVA as sold on are debt to another firm called eversheds, I just wondered does this now mean the firm who have are debt now will have the same vote/powers on our iva case as the bank did and also are these firms likely to ac...

thanks everybody, I have contacted my IP and have had a speedy reply as always (Melanies team) and they would like some figures when I submit my Income/expenditure this week.I Hope this is ok as having a very loud knocking sound every time you get in the car really makes you sick to the stomach pray...

Hi Forum, just wondered if anybody had entered a salary sacrafice scheme to obtain a lease car whilst on an IVA, basically my car is shot at and I work within the NHS and could enter the scheme.Does anybody know if you are allowed to do this whilst in an IVA, I do know that credit checks etc are not...

thanks for that Norabee, and congrats on the baby

Thanks for the advice, I will contact my IP but just wondered if anybody had ever been able to keep any money from a windfall for something like a from a PPI, or this is very rare, somebody did sugest I should of not claimed my PPI until I was out of my IVA or even not declare it but that I thought ...

Hi, Just wondered if anybody could give me some advice,I am just entering my 3rd year of an IVA and my car is falling apart, I have just spent over £600 on it to get it through its MOT and now the engine is making terrible noises,I travel over 60 miles a day just to work and back. My question is?I m...

Hi, I may be entitled to receive some money from a ppi claim, this is from a loan settled before we entered into an ,would this be classed as a windfall?and if so would we be able to keep 50% or would it all have to go towards our IVA,

thanks for all the advice, I am a little worried with some of the questions and replies about PPIs claims on the forum, Am I correct in saying that all of any ppi claim would go towards my IVA? they would still let the ppi claim company that I am dealing with get their fee of 20%, I don,t want to ha...

Hi I am currently in an IVA and have a secured loan which is being paid in full each month, before I got this loan I had another with the same company this one had PPI on it but my current does not, I wondered if I claim for the PPI would I be able to keep any of it as a windfall?

Thanks for all the feedback from everybody I will contact my IP as soon as I here how much etc, once again thanks

Hi Kallis3, can I change my IP for a month lol, only joking! very happy with mine, thanks for the reply though

Hi Melanie, thanks for the reply but I am still a little confused, I thought that my back pay would be classed as a windfall not a bonus etc and would not be able to keep any of it, if I was allowed to keep 50% plus the 10% this would be enough for a replacement boiler, can you clarify this for me, ...

Hi, I am currently in IVA and for over 12 months now, and finding it hard but we are just about managing, my question is (if anybody can help) I maybe receiving a unexpexted windfall as my position at work has been regraded and I maybe receiving back pay plus a wage increase the back pay maybe about...

Hi, Just wondered if anybody could answer a queation I have, I have been in an IVA fpr just over a year,and just completed my first review, I have just completed a regrade at work that has been going for sometime, it looks as though this will be approved and I will receive approx £100 pm net pay ris...

Hi, just started the iva road and wondered if I have to have my House valued if so what does this sort of valuation cost,going of the houses on my street its looks as though I will owe more than the house is worth, any advice would be great.