www.iva.co.uk

Hi im currently in an iva. I have just gained a full time job but i need a phone for my job for emails and calls i need a phone as i don't currently have one at all and im dessperate for it . Iv been accepted but im really scared it might effect my iva i work overtime hours and know from working things out that i can afford it while paying for my iva as well can anyone help with any info as im really scared and dont want to loose everything

You can get a cheap Pay as you go - won't affect anything. If you have been accepted for a contract, as long as you can afford it you should be ok.

You should be OK getting a phone contract, but I doubt it will be added to your expenses as already agreed -- so will have to be funded from your current allowances, or, as you say, your share of overtime ( I assume you are correctly advising your IP as and when you get overtime and paying over the IVA's share).

Thank you thats a wieight off my shoulders iv been pannacing like mad the phone hasnt even arrived yet i just dont want to damage or loose my iva thats all as i want to get everything sorted

You should be fine.

Thank you so much means alot ! No more sleepless nights panacing about it

In relation to this, can I ask the experts: some phone companies now do the phone contract as two parts, so much for minutes, so much for the device and you are technically signed into a loan. Some phones are £500+ which leads me to the credit limit query, is this acceptable? My contract is with a network where I pay one figure, no loan mentioned, and is only a cheapie android, but if I went to O2 (who I can get a work discount with) their contracts seem to include a loan so you can repay and upgrade at a whim during the contract. Hope that makes sense.

Mrs_Brown wrote:

In relation to this, can I ask the experts: some phone companies now do the phone contract as two parts, so much for minutes, so much for the device and you are technically signed into a loan. Some phones are £500+ which leads me to the credit limit query, is this acceptable? My contract is with a network where I pay one figure, no loan mentioned, and is only a cheapie android, but if I went to O2 (who I can get a work discount with) their contracts seem to include a loan so you can repay and upgrade at a whim during the contract. Hope that makes sense.

I don't think this would be a problem as such --- some monthly payment car insurance is actually a credit agreement and those premiums can be quite eye watering. However, you would have to first pass the phone providers credit checks as well as shoulder any increase in monthly payments for the upgraded package from existing allowances.

Another question im already paying 20 a month on my iva for a phone so technically iv only raised it by 15 pound a month more would this also work in my favour as its only an increase of 15 pounds more a month than what they already know about?

dan158 wrote:

Another question im already paying 20 a month on my iva for a phone so technically iv only raised it by 15 pound a month more would this also work in my favour as its only an increase of 15 pounds more a month than what they already know about?

I doubt the IP will agree to increase the phone allowance already agreed (especially as it appears to be for a phone that doesn't exist!). You will need to pay the £15 extra from already agreed allowances.

Ah thats good news thank you i thought that would be the case in my details i pay 20 pm for my old phone on my iva my new contract is 34 pm iv been really worried about this whole thing i just hope my ip can be understanding that i need this phone for basicaly everything ie work social life to keep intouch with them to be able to send them info etc

If all fails and my ip fails my iva for getting this contract what could i do from then iv never been so scared in my life ?

dan158 wrote:

If all fails and my ip fails my iva for getting this contract what could i do from then iv never been so scared in my life ?

I doubt he would fail you for getting a phone contract. If you are not claiming any extra expenses ( allowances) for it I doubt he would even notice.

Ah thats grwat thank you its the 500 pound thing thats got me petrified and the transactions on my bank statements if they question it iv no problem paying the extra 14 pounds a month out of my own allowence im petrified i havent slept for days with worrie about it

Why put yourself through the stress?

Just get a cheaper phone.