Can my debt with mobile be included in IVA ?

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hilary.mc

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Post by hilary.mc » Thu Nov 11, 2010 8:20 pm
i have a debt now with my mobile company - i cancelled my contract after i started my iva can it be included in my iva now. I only started my iva in june
 
 

kallis3

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Post by kallis3 » Thu Nov 11, 2010 8:33 pm
Hi Hilary,

You would need to speak to your IP about this. Is there any reason why you cancelled your contract when this would have been allowed fo in your IVA?
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

MelanieGiles

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Post by MelanieGiles » Thu Nov 11, 2010 11:32 pm
You can included the debt now, but I do wonder why this was not thought of before the IVA was presented. Have you managed to get another contract, or have you reverted to Pay As You Go?
Regards, Melanie Giles, Insolvency Practitioner
 
 

liamjames

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Post by liamjames » Fri Nov 12, 2010 1:03 am
Hi Hilary-

Did you get in this debt before the IVA started or during the IVA?
Take care,

Liam James
Varden Nuttall
http://www.vardennuttall.co.uk

Read our reviews here: http://www.iva.com/iva_companies/Varden_Nuttall.asp
 
 

hilary.mc

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Post by hilary.mc » Sat Nov 13, 2010 10:15 am
I had my mobile contract before i went into iva.Got a bill 4 roaming charges when was visiting friends for weekend - bill was 160 & could not afford o pay it. 02 cancelled my contract in july meaning i had to pay remaining 11 months on contract as well - 800 quid. Can i add this to my iva?
 
 

Skippy

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Post by Skippy » Sat Nov 13, 2010 12:51 pm
As far as I'm aware you won't be able to include the mobile debt in your IVA as it was incurred after the IVA was agreed.
 
 

kallis3

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Post by kallis3 » Sat Nov 13, 2010 12:53 pm
I think you could be right there Skippy.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

MelanieGiles

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Post by MelanieGiles » Sat Nov 13, 2010 1:02 pm
So long as all of the charges on the account are pre IVA, there is no real reason why this cannot be included - but anything relating to the post IVA period will be a debt you will have to cover.
Last edited by MelanieGiles on Sat Nov 13, 2010 1:50 pm, edited 1 time in total.
Regards, Melanie Giles, Insolvency Practitioner
 
 

Skippy

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Post by Skippy » Sat Nov 13, 2010 1:03 pm
Mel, do you mean the charges can be included if they are pre-IVA?
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