I don't think it will affect things at all, just because you are out of the country, I am sure there are many people who work abroad that could potentially be in this situation so as far as the creditors are concerned, that shouldn't make a difference, is there a huge time difference where you are g...

when was the attachment of earnings applied? was this before the IVA started or since?, were the arrears from before the IVA and included in the IVA?

hi and welcome, they use specific guidelines for certain expenditure such as food, clothing etc, but that may not provide for your 18 year old and grandchild, the 18 yr old would probably be expected to contribute to the finances and support your grandchild independently, separately to your finances...

Hi and welcome, if you are offering to propose a f&f for now other reason than you want out of the IVA, you need to offer the remaining number of months x monthly payment total, your friend will most likely need to provide a letter explaining that they have the sum available for a F&F only and if it...

Lenders all have their own criteria for lending and at the end of the day, its entirely up to each and every lender to have the right to lend to who they wish, no one has the right to borrow money full stop. Having said that, there are plenty of ex bankrupts and IVAers who have successfully gained a...

Hello Tracy and welcome, unfortunately not, mortgages are secured debt which you cannot put into an iva and must be treated as a priority debt, Ie paid before anything else

Oh foggy that's wonderful news, hope you and little foggy are celebrating tonight xxx

Argh! Blimey, I would be chewing my nails off by now xx

If it states in your t and cs that all assets must be declared then yes it is a legal requirement that you comply wi their request, the answer to your question is in your iva document, if it just details specific assets and states any other assets that come to light during the iva are specifically e...

Best of luck from me Foggy, am keeping everything I can crossed for you xxxx

We were asked for our documents in April, our anniversary is 16th may and we only received our report yesterday.

I think they do have a 3 strikes and your out kinda thing, the letter they sent me was absolutely disgusting, condescending and rude, but I guess when you're limited you don't have a lot of choice

They usually make 15% of realisations so yes the more you pay the more they make, but your proposal will normally set out their fee structure

You can't cancel an iva, you can only let it fail by not paying 3 consecutive payments, what will happen then is that your creditors will likely backdate interest and charges on your original debts from the date your iva was accepted and you will likely find that your 2 years of payments will not ha...

I have to say that you can go overdrawn on a cashminder account as I did once by accident and they charged me a pretty penny for it. I have a normal current account with Lloyds aswell which is my main account and I had wrongly set up a direct debit on the cashminder instead of Lloyds, Lloyds have al...