www.iva.co.uk

Well I know I have mentioned my partenr is pregnant, but we had scan today and it TWINS, i still feel like i am a 1000 foot in the air.

For any one who as had kids, when you see that heart move, its the most amazing feel ever, in my case to hearts. Now that is something money cant buy.

I am over the moon.

How ever any one got ant advice with regards to been in an IVA? It would be most welcome.

no matter how bad money gets, theirs stll alot more important things in life

I can't give you any advice other than to discuss this with your IP, but I wanted to say congratulations and good luck for the future.

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

Hi James.c

Congratulations, your right, there are things in life that money can't buy and make your troubles melt away. We have two girls (3 years apart though) in the darkest of times they are my reason for carrying on. My advice is stock up on the sleep[:D]

Have a chat with your IP and explain that double trouble is on the way.

Honestly, kids will change the way you look at everything.

Congratulations James

An IVA has to take account of changed circumstances and boy, yours are going to change!

You'll need to work out a revised I & E with your IP, taking in to account the increased costs that you are bound to incur. The reason for this exercise is to estimate the amount that you can afford to pay in to the IVA in the future.

If that amount can be accommodated in the existing IVA (with any modifications that you might have agreed to) then all well and good. If it can't then it may be necessary for you to propose a variation to the IVA with your creditors but the liklihood is that the creditors would be likely to expect you to stick to the commitments that you made at the start, even if it will take longer.Only your own IP will be able to advise you on this because they will know the detail of your proposal, who your creditors are and how you have been coping thus far.

My advice to you is to ensure that the revised I&E gives you a fair budget to pay the extra expenses. Don't be persuaded to agree to something that you know won't work because there would be nothing worse than bringing two children in to the world on an impossible budget.

Recent events will have brought home to you that there really is more to life than money and you shouldn't be a slave to it.You might want to seriously consider now why you wanted the IVA in the first plave and whether recent events have changed those priorities.

If you conclude that an IVA won't work for you then DMP or BKR are other options that you may wish to consider as an alternative. Much has been written on this board about both so you'll have more than enough reading material to keep you going.

As I said, however, first port of call is your IP to understand how they see your options, based on their knowledge of you IVA.

thank you catullaus for a real understanding, i hope i can carry on the iva, cause i want to pay my debts back, and if it comes to it, i hope the mods can be agreed even if its only £20 a less month just to help us get thoough it, than you for your adivce

no matter how bad money gets, theirs stll alot more important things in life

Congratulations on your lovely news james

Thats great news James all the best to you both.

Ang

Please visit my blog at http://aguise.blogs.iva.co.uk/

What great news. I have three daughters, and you are right, there are somethings that money just cannot buy...

Congratulations to you and your wife, wish you all the best.

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Congratulations James that is lovely news.

It would be worth while investigating what benefits you will be allowed when the twins arrive as these may offset much of the extra expense. You will be guaranteed to get Child Benefit and you also may be eligible for Tax Credits. Here is the link that will allow you to calculate what you will be eligiable for

http://www.taxcredits.inlandrevenue.gov ... ehold.aspx

Best Regards
Oliver

Thomas Charles and Co Ltd.
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Hi james and congratulations!

Try to find out if you are entitled to benefits this will help you with the extra expenditure.

Regards,
Michelle P.

Wow James, thats fantastic news [:D]

Your first port of call should definitley be to you I.P to explain the change that is soon to come. Remember when listing your expenditure be as realistic as you can, an IVA is for a long period of time and wont be achievable if you are struggling.

Best Regards. IVA Experts

james what fantastic news as one of the other posters has suggested you and your partner should stock up on sleep now, i hope everything works out for you with your iva.
kerri

Please view my blog at: http://scaredkez.blogs.iva.co.uk/

Wow, congratulations James. I have twin girls who are now 8 and it is the most incredible thing! Even though I now have 2 younger children, I still cant help but get that "feeling" whenever I look at them!

Good luck with everything!

K xx

Hi James
CONGRATULATIONS!!!!
Regards

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

Congrads also I have Molly who is five
she makes my day everyday