Hi. I hope someone here might be able to help me. I was thinking how does it look like with iva while working only bank staff hours. It means I would be paid different money each month depends on how often they need me. How it works with I&E and what I lay towards my IVA? Thank you

Thank you Foggy. Ah yes, as soon I've got my payslip I will send the pic to CS so they can sort it out for me. I was just wondering. Wage agreed in I&E is 4 weeks pay, just two or three times a year I am getting paid for 5 weeks and now its 5 weeks together with bonus.

Thank you

Hi. I have just found out I will receive my annual bonus. I am pretty sure I am under 10% 50/50 rule. The problem is annual bonus comes together with 5 weeks pay. To which wage then that rule applies? Normal 4 weeks or this odd 5 weeks??

Merry Xmas guys!!! God bless you for all the help we get from you. May all your dreams come true in New Year x

No, nothing yet Kallis. Might as you said, be sorted after xmas. Really upsetting as its the last thing I would expect to find out on xmas eve morning. Thank You both, Foggy and Kallis, at least I know I can fight and not let them add it all.

Thats the way I see it Foggy, but how can my debt grown after joining IVA??

Thank you Kallis. Email I showed you is from one of the CF advisors, sent 6am this morning!!! I have emailed her straight back, mentioned my agreement and that it was included. Waiting for response.

Thank you Foggy. Thanks to your help we manage to squeeze our Expenditure to be able to pay minimum 102£ and been accepted.

Hi everyone. Merry Xmas. I think creditfix noticed my iva is going to smooth so they decided to bring on some nerves. This morning got an email: Hello, Kindly note we have received an additional claim from Hoist for £1,988.56 debt was previously with Barclaycard. To add the debt in your creditor lis...

Hi guys. Long time not seen. I due my second baby in january. As you can guess my wage will go down by about 300£. It is also time for my yearly review. I really wouldn't want a payment break. I done mine I&E form and...when I started IVA 2 years ago I paid 120£ a month, then it went up to 168£ and ...

Hi GoonerDad. I am wondering how have you sorted 30h free hours situation with CF? If you could share, as soon I will be in a smiliar position. Thank you

Hi Guys. I am wondering if anyone was in similar situation. I just found out I received 800£ child tax credit rebate. I have emailed my IVA company straight away but thought maybe someone would know if they will let me keep anything or all will go towards my IVA? Thank you

Hi guys! I am in desperate need for new phone. Best option would be to start new contract which includes new phone (we both on low wages so saving for new mobile would take ages). My question is, did any of you been accept by any mobile network with "damage" credit score? I know few people mentioned...

6 months bank statements, 6 months payslips