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kitty14

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Post by kitty14 » Fri Jan 29, 2021 12:28 pm
Fri Jan 29, 2021 12:25 pmFoggy wrote:
Using a debit card is perfectly OK and will not be examined closely --- at review they will not go into fine detail about what you are spending on from day to day.
So I am safe to buy online still? I just don’t want to be judged as my hair care and vitamins can be a bit pricey compared to own brand items... my choices in some things I buy aren’t always the best I know but I’m worried about it being seen.
IVA Start - Jan 2021

kallis3

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Post by kallis3 » Fri Jan 29, 2021 3:24 pm
You will be fine. I bought things online during my 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

luluj

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Post by luluj » Fri Jan 29, 2021 8:51 pm
I relied on online shopping during our iva as it was often cheaper option
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"

kitty14

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Post by kitty14 » Mon Feb 01, 2021 12:14 pm
Thank you everyone, I finally spoke to HSBC about my still open Basic bank account and they are going to get written confirmation to me that they will not use the offset rule on that account during my IVA.
In this case I am happy to keep this as a secondary account for savings for emergency funds so putting £10 in it monthly, will this be okay? I read it should be fine.
IVA Start - Jan 2021

kallis3

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Post by kallis3 » Mon Feb 01, 2021 1:48 pm
It should be, but, personally speaking, I wouldn't use them. That's only from personal experience though.
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

kitty14

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Post by kitty14 » Wed Feb 24, 2021 11:27 am
I’ve encountered a bit of a problem today and seeking advice...
I’m an idiot and forgot about a Universal Credit advance I took out last year April. I didn’t declare this on my IVA because it completely slipped my mind but today I received a letter from gov asking for the £644 back I can make a payment plan etc or direct debit or have it deducted from my wage. I plan to pay it back of course but I don’t want this to hinder my Iva and make it fail... I also am very scared of being taken to court because I forgot to declare it. What should I do? :cry:
IVA Start - Jan 2021

kallis3

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Post by kallis3 » Wed Feb 24, 2021 12:43 pm
You won't be taken to court, you should speak to your IP though and see if you can either have it included or pay it outside of the IVA. Can anyone help you with this?
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

kitty14

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Post by kitty14 » Wed Feb 24, 2021 2:41 pm
Wed Feb 24, 2021 12:43 pmkallis3 wrote:
You won't be taken to court, you should speak to your IP though and see if you can either have it included or pay it outside of the IVA. Can anyone help you with this?
Thanks I will ring SC tomorrow. I’m happy to pay it if they let me
IVA Start - Jan 2021

Foggy

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Post by Foggy » Wed Feb 24, 2021 3:15 pm
They might allow you a payment break to help pay the advance back --- this would be added to the end of the IVA. I am not sure how this would be viewed in terms of undeclared credit.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

kitty14

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Post by kitty14 » Thu Feb 25, 2021 12:48 pm
Thank you everyone, I called Stepchange this morning etc and it’s being sorted thankfully. It’s going to be added to my IVA. Such a huge relief....
IVA Start - Jan 2021

kallis3

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Post by kallis3 » Thu Feb 25, 2021 12:51 pm
Great news. You can relax again.
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

kitty14

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Post by kitty14 » Sat Mar 20, 2021 4:29 pm
I feel like I am spiralling out of control, I got a letter yesterday from DWP telling me they’ve requested that deductions are to start coming out from my pay... this is going to be 11% I’m struggling enough as it is and when Stepchange replied to me they told me they requested from DWP on the 8th they need to put a claim in to join the IVA but the deadline was the 10th and now they have started wanting to take it from my pay I’m already struggling enough as it is. :(
IVA Start - Jan 2021

Foggy

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Post by Foggy » Sat Mar 20, 2021 4:35 pm
Speak to Stepchange about it again. They can have a word, or, if needs be, reduce your IVA payment to compensate for the deduction, at least until it is sorted properly.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

kallis3

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Post by kallis3 » Sat Mar 20, 2021 4:42 pm
You need to speak to both DWP and Stepchange to sort this out. It may be that the DWP letter was sent out before Stepchange got involved.
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

luluj

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Post by luluj » Mon Mar 22, 2021 5:49 am
Not sure DWP amount can be added to IVA, but you can agree direct with them to reduced payments that are affordable.
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"
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