Thanks foggy, So basically I can't move on with my life until DFD decide it suits them to issue my completion certificate and the creditors have accepted money owed to them as a final offer on the debt. It ridiculous that there is no regulation that these things should be issued within a certain tim...

Hi A full and final offer from my IVA was accepted by my creditors in dec 2013, I have yet to receive my completion certificate from DFD even though I have chased numerous times. I was told that my certificate would be issued even though PPI are still outstanding. My question is can a IVA still fail...

I think there should be an allowance included in IVA I&E for school unform for those people taht need it. My son is going up to secondary school in september and i have just spent just over £100 on his uniform because all the uniform he needs has to have the school logo on it, including pe kit, trac...

Thanks Mel, what do you mean by timing of the determination notice? The overpayment will be from last years claim and i have been in a iva since march 2009.

Thankyou guys for your responses, i dont have a figure to pay back yet but have had a letter from the review team to say there has definately been an overpayment. I am now waiting for them to send though the finalised claim from last year and the new one from this year. Hopefully they won't try and ...

Hi I receieved a letter yesterday to say that i had potentially been overpaid in my tax credits for 2010/2011. Is this something that can be included in my iva, or will it be somthing that i will have to pay back separately (I have been in an iva since march 2009). When i definately know what im loo...

Hi Declan

I too am with DFD for my IVA and my details on the register now state that i am with RSm Tenon Recovery Ltd.

Can you help with this?

Sarah

Hi all

My car has decided that after 15years to give up the ghost. With the way things are at the moment there will be no way i can pay for one whilst in my iva. My parents are banding around the idea of getting me another one. Is this ok?

Thanks

hi

just wanted to say that i got a bt landline after i entered into my iva , i just had to pay £50 deposit which i got back after 6 months. Dont know if that helps.

sarah

Hi all, Ive just had a letter requested all my paperwork for my 1st annual review and im starting to worry a bit. In november my mum/dad gave me some money because i was struggling. The money was to generally buy food , petrol, xmas presents etc as i was struggling big time. This obviously shows on ...

my 1st year review is in march. the thing is when i started my iva i had 2 jobs , then lost one of them and lost hours on the other now i have promotion at work but with the increase in wages my tax credits have gone down. It actually works out that my household income is not far off what it orginal...

Hi all I might be being a bit thick but i wonder if someone could put my mine at rest. Last week i got promotion so my income has gone up but in turn my tax credits have gone down. Am i right in thinking that i pay 50% of anything i earn over the TOTAL household income figure stated in my proposal. ...

HI

Just to let you know that i had sky installed a couple of months into my iva and there was no problems with credit check or anything. i think it would be fine if you wanted to go that way.

thankyou guys. my iva payment is £197 , when my iva was put together i was told that that was the min it could be. i gonna wait and see what happens with the interviews. i have potentially 3 in the pipeline. i suppose also i dont want to accept more hours to the point where more money is coming in b...

I havent made up my mind yet totally sat in the middle on it. My iva company know that i am considering bankruptcy and said i should contact them again when i know the outcome of the interviews. I appreciate my situation is of my own doing but i am totally sick of struggling. The bank of mum and dad...