I'm sorry but I have had it done to me by british gas, I owed them £25 on my gas acount when i tried to move to another supplier it was refused by british gas, I had to reapply after 28days when the £25 had been paid, You have the right to apply to any supplier, but they have to by law contact your ...

Also it is against the Law to enter into an IVA
and not include all debts.

if you owe any money to a utility company you are unable to switch unless the full arrears are paid off in full, The LAW, Be very carefull you will end up on prepay meters, almost doubling the cost of your utilities with the above advice.

Can I take a payment brake from my iva, if i can do i need to give a reason for it, what reason would be acceptable.

Please be carefull. Dont forget you will also be charged an extra £1300 fee for the variation meeting on top of what you already owe in fee's and debt. 60 payments is not true they can and will add more months years on to get the dividend they want. Also they may be planning to bankrupt you, hence t...

Wonder that is what i ment, when I asked the question above, I just put it the wrong way I think.

Can you go into more detail as to the Huge amount of work involved in setting an iva up????

No, In my year 1 & 2 statements over £8000 was taken in charges from the account leaving £180 hoped there would be some next review. A further £1500 taken for admin charges so far this year. 2 1/2 yrs in no funds and credtors paid £ 000.00.
I must be under differet rules to everone else????

brilliant thread, I would say one thing if I may, If it is found these companys broke the law and the contracts is null and void, I agree that you borrowed it so you should pay it back, but a vast majority of detb is the subiquent charges added to the original amount borrowed, So if they have broken...

I will give him a ring, thank you for you fast response.

would a student loan / grant be counted as extra income.
I want to do a college course but would the loan /grant for the course be taken by the IP towards my payments.

or would it be better to wait until my iva is over.

thank you