Not sure if you can help me just wondered what will happen to our iva in the next few months. We took out our ivas in March 2009. In March this year my husband was found to have terminal pancreatic cancer. At present we live in accomodation which is owned by his employer so our utility bills are min...

Hi. Just wondering what the situation would be with our iva payments. My husband was taken into hosp last week and had to have emergency surgery.Thankfully op went ok. Looks like he may be off work for at least eight weeks maybe longer.His employer only pays full wages for a month after that it woul...

Hi thanks for your replies.Son seems to be having trouble getting credit but has been told if we acted as guarantor it would help as he has no credit history ! I take it we would'nt be allowed to do that with us being in ivas.

Hi don't know if you can help me with query. Both my husband and myself have been in our iva since march 2009. Our adult son is still living with us and is currently trying to obtain finance to replace his very old and worn out car. When he is credit checked will our situation reflect on his credit ...

Hi both my husband and I entered a iva earlier this year. I have recently had a letter from a private pension i started 10 years ago wanting to know if I wanted to start drawing it from feb next year when I reach 50. If i don't want it yet ( I do work full time) I won't be able to take it until I am...

We are with payplan and to be fair they have been excellent do far. We have emailed our son's situation to our case adviser and she said it will have to go back to our ip and creditors to decide what happens next. Thats awful ladyh that you had to ask your son to leave home. It is an unbearable thou...

At the time of our creditors meeting the chairman of that meeting rang to tell us of the outcome. He spoke to my husband and told him of this modification when hubby queried it he said without accepting it the iva would not be approved.My husband did say at the time it was something we could'nt guar...

Hi now just coming up our third iva payment.When our iva was approved in march one of the modifications was that our grown up son who is living with us should find employment and commence contributions for board within 3 months. He had been out of work since december and as he was on the dole at thi...

i have just entred my iva of which a clause was added that as i have a non-dependent son living with me, he should make a reasonable contribution to the household when he gained employment.
Question, what is a considered a reasonable contribution.

Only just in our second month of our iva spent about £310 last month on food. Not finding the allowance too bad as long as you don't buy convenience foods so am doing more cooking from scratch!Heard various figures banded about for housekeeping must be more difficult to survive if you have a large f...

Hi sorry need to pick your brains again.My hubby and I have been allowed £313.00 a month for housekeeping(food etc ) is that the normal allowance for two adults in an iva ? Think the forum is great by the way so nice to be able to talk to others in the same situation as ourselves.Have not been able ...

Can you tell me please if halifax and Lloyds tsb are still trading as separate companies or can they use the right to offset if either is owed money.

Thanks for your quick replies.Have had years of debt problems should have taken professional advice much sooner.The car hp lenders did say that refinancing the balloon payment should'nt be a problem. We did ask if they could confirm that they would'nt repossess the car in writing as long as payments...

Hi Hubby and I had our ivas approved on the 6th of march this year.There was a provision in our iva to keep making the hp payments on my husbands car and permission to obtain enough credit to pay the baloon payment at the end of the agreement.Have received a letter today form the hp lenders that the...