1. Year annual review

Get expert opinion. This is the place for new questions to be posted.
11 posts Page 1 of 1

Oya

User avatar
Posts: 164
Joined: Fri Feb 03, 2017 8:35 am

Post by Oya » Fri Mar 23, 2018 10:37 pm
Hello everyone.. although I don’t post much I visit the forum nearly everyday and read most of the posts.
When I received the email from stepchange for annual review I couldn’t believe it’s already been 1 year.. I remember like yesterday when I was sick of worries whether my Iva accepted, whoise gonna vote yes , would I be alright without credit card, how am I supposed to entertain my daughter with no credit to relay on.. how wrong I was..
Life is much more easier without a credit card. I managed to learn budget my weekly shopping by meal planning for the week. I explained my daughter the new situation and she was very mature about it she is only 12, and limited our going outs, stop eating out, and still enjoyed ourself by walking the down, visit the riverside and so on..
I cleared my head, reversed my diabetic type 2, lost over 15 kg, even me and my daughter managed to save £250 for a new iPad Pro (still saving £5 per week)..
I made minor changes on my i&e form. Like my food expenses was £308 I asked for £315, new rate for my internet,water and electricity bills. The documents asked was very simple to put together, stress free progress which I am very happy for.
So I emailed everything my IP needed hopefully she will get back to me within 7 days with the figure and again hopefully the adjustments I asked for will be excepted.
I just wanted to share with you.. 1 down 4 and half years left to go..
I am stronger, lighter, healthier and stress free and full of hope for the future.. I would like to thank once again to everyone whose been there for me, answer all my questions, comfort me when I was worried, and pray with me before the decision.. thank you all.. we made it together..
have a great weekend everyone :D

Mrs_Brown

User avatar
Posts: 129
Joined: Wed Jan 03, 2018 5:06 am

Post by Mrs_Brown » Sat Mar 24, 2018 8:13 am
Hopefully you can answer what I have been wondering, what documents do Stepchange ask for at review please?

Mrs_Brown

User avatar
Posts: 129
Joined: Wed Jan 03, 2018 5:06 am

Post by Mrs_Brown » Sat Mar 24, 2018 8:16 am
And sorry I forgot to add, good to hear you are are doing well and your health is so much improved.

Foggy

User avatar
Forum Expert
Posts: 28146
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom

Post by Foggy » Sat Mar 24, 2018 8:54 am
Hi Oya. Great to hear that you are settling into IVA life so well and things are improving health-wise. A year already ?? That has gone by so fast !

Keep smiling and keep up the good work :-)
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Visit my blog here : http://foggy.blogs.iva.co.uk/

kallis3

User avatar
Forum Expert
Posts: 74141
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Sat Mar 24, 2018 8:57 am
What an inspiring post! So glad you are doing well.
http://kallis3.blogs.iva.co.uk/
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.

luna

User avatar
Posts: 124
Joined: Fri Apr 08, 2011 1:51 pm
Location: United Kingdom

Post by luna » Sat Mar 24, 2018 2:40 pm
Hi,

We found Stepchange to be great throughout and very quick to issue a CC. They didn't bother us with PPI at all so we're looking forward to seeing what happens when we get round to claiming it. Regarding the reviews as I remember it was P60, 3 months payslips and bank statements , then at equity release time they accepted just a couple of online refusals and at closure just P60's.

Lastly the more you can earn after set-up the better with the 10/50/50

Good luck they are really efficient and I've never seen an issue with their IVA dept on here in 8 yrs.
IVA completed with StepChange.
Last payment Sept 2016 CC Oct 2016

Oya

User avatar
Posts: 164
Joined: Fri Feb 03, 2017 8:35 am

Post by Oya » Sat Mar 24, 2018 7:05 pm
Mrs_Brown wrote:
Hopefully you can answer what I have been wondering, what documents do Stepchange ask for at review please?
Hello,
All they asked is p60,3 payslips,any benefits if you are receiving,and the i&e form they send you

Oya

User avatar
Posts: 164
Joined: Fri Feb 03, 2017 8:35 am

Post by Oya » Sat Mar 24, 2018 7:05 pm
Mrs_Brown wrote:
And sorry I forgot to add, good to hear you are are doing well and your health is so much improved.
Thank you so much :)

Oya

User avatar
Posts: 164
Joined: Fri Feb 03, 2017 8:35 am

Post by Oya » Sat Mar 24, 2018 7:07 pm
Foggy wrote:
Hi Oya. Great to hear that you are settling into IVA life so well and things are improving health-wise. A year already ?? That has gone by so fast !

Keep smiling and keep up the good work :-)
I can’t believe it either Foggy.. :) I am waiting to hear from IP now if she will do the changes I asked for.. she is very nice so I am hoping she will, finger cross :)

Oya

User avatar
Posts: 164
Joined: Fri Feb 03, 2017 8:35 am

Post by Oya » Sat Mar 24, 2018 7:07 pm
kallis3 wrote:
What an inspiring post! So glad you are doing well.
Thank you so much Kallis :)

Oya

User avatar
Posts: 164
Joined: Fri Feb 03, 2017 8:35 am

Post by Oya » Sat Mar 24, 2018 7:09 pm
luna wrote:
Hi,

We found Stepchange to be great throughout and very quick to issue a CC. They didn't bother us with PPI at all so we're looking forward to seeing what happens when we get round to claiming it. Regarding the reviews as I remember it was P60, 3 months payslips and bank statements , then at equity release time they accepted just a couple of online refusals and at closure just P60's.

Lastly the more you can earn after set-up the better with the 10/50/50

Good luck they are really efficient and I've never seen an issue with their IVA dept on here in 8 yrs.
They didn’t even ask any single bank statement. Only if any receipt in benefits latest bank statement they asked for. Only been with them for a year but I found them very good from the day one I rang for an advice.
11 posts Page 1 of 1
Return to “Ask IVA Forum and Industry experts”