www.iva.co.uk

Hi havnt been on for a while had a bit of a rouh few months.My partner lost his job in jan , we have managed to make our payments , with my little lads DLA. Asked for a reduction in review to £200 from £250 but supervisor has said he doesnt think creditors will go for it as we have already had a reduction in past,because my partner had to go to work part time to help me care for our son.But he has let me reduce it til we get back on our feet, i think i will jst struggle on as we are .

I wanted to ask a question , in the original proposal we said that when my partner finishes his HP on bike we would pay this into iva . We were lucky that we took an insurance policy out on this and havnt had to pay it since he has been out of work.We have really struggled to pay this anyway through the iva .If my partner cant get a job with enough to pay an extra 194 a month on top of 250 what will happen? I thought ivas could reduce what you owe by upto 75% that doesnt seem to be the case.

hi you really need to contact your ip does it state in the chairmans report the extra funds to be added after HP finishes? i hope you sort it out they cant have what you havent got at the end of the day

Im really not sure, i will take a proper look when i get the review through post.I just cant see us being able to afford over £400 a month.I am tryin tofind out as much info as possible to argue my case.I can always argue that they should never have used my sons DLA in our income as it is for his extra care and that isnt taken into account in our allowances neither is the extra allowance you get in childrens tax credit.

get some info off the ip`s on here they are very proffesional and will help you with some answers before you phone, melanie giles speak with her highly recommended

you have done great getting to 3 years i hope it all goes well for you no one will benefit if it fails now so i am sure some arrangement will be done

I dont want my iva to fail because it has been a lifesaver . But if they want to take that much i will have to go bankrupt , they wont get anythin there because we are surviving on jobseekers at moment.I start a job in september but its not much a week as its part time . Prob just the same amount as jobseekers.

I will do thank you. Only 2 years left doesnt seem that far away now june 2010 and counting.The money that is paying for iva is the amount my son gets DLA a month pretty sure they wouldnt touch tat in bankruptcy because its not means tested.And its not ours its in his name and hes only 10

so your payments were £250 per month so 15k to pay in 60 months?

The first 18 months we were paying 350 but i couldnt cope with full time caring so my partner had to reduce his hours.

original debt was 40grand combined we are in a joint iva.Not really worked out how muc e will be paying back.

yes it must be hard i hope they sort something out for you

Be alot more if they want 194 on top a month

yes much more which company are you with? was the 40k the figure creditors receive or overall debt?

Im sure it will work out in the end 2 years isnt long . Or i should say 23 moths now. I cant wait for a holiday we havt had one since my little lad was taken ill at 2, 8 years ago.It a be fantastic.No debt what a relief that will be.

yes i cant wait myself i can only dream what the feeling will be like and for you with your son ill the strain must be even worse.i have 4 children but touch wood not ill it has been a fight but we are getting by

The last 3 years have flown .When i first started this 5 years seemed like a long way off. But it has gone so quick , in some ways i dread the review and other ways i cant wait, because its one year closer to the end.My advie to anyone is do it because the sooner you do the sooner its over.