Search found 734 matches

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Search found 734 matches Page 1 of 49
by abbiesmum2003
Tue Nov 13, 2018 8:04 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can childcare costs be included in IVA expenses
Replies: 5
Views: 1197
Our youngest is now at school but holidays are a killer! No choice if you have to work and no family available to hell.
Still costing us £60 a week just for after school care!!!
by abbiesmum2003
Tue Nov 13, 2018 5:59 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can childcare costs be included in IVA expenses
Replies: 5
Views: 1197
Yes absolutely it has to be included! Apart from rent/mortgage this is likely to be one of your biggest outgoings. I have had 3 children in childcare during the 5 years IVA and like you it tipped nearly £700 especially during summer holidays. It must be included and taken into account. We had an arr...
by abbiesmum2003
Mon Nov 12, 2018 2:43 pm
Forum: annual review
Topic: Creditfix annual review - sorry
Replies: 8
Views: 1431
I have been with CF and always did paper reviews. No way would i be allowing access to my online banking. Theres got to be some sort of security risk with that?? They dont like conflict and cave when you start quoting your terms conditions and agreements. They cannot alter your payment on grounds yo...
by abbiesmum2003
Sun Nov 11, 2018 8:50 am
Forum: Ask IVA Forum and Industry experts
Topic: Options for a friend??
Replies: 7
Views: 2117
Thank you lulu Yes it was a relief for both of us to find out we were in similar situation. She was telling me about a year or more ago about her debts and couldnt afford xyz. I broached the idea of an iva and thats when she said she was alrrady in one. I could have cried. We were in a better positi...
by abbiesmum2003
Sat Nov 10, 2018 1:30 pm
Forum: Ask IVA Forum and Industry experts
Topic: Options for a friend??
Replies: 7
Views: 2117
Thanks foggy Spending isnt adrift. I see her alot amd they dont have anything special or exceptional. It went awol when benefits changed to universal credit. She has struggled for a long time but has just admitted burying head in sand!!! Not helpful!!!! The baby was not planned at all and we discuss...
by abbiesmum2003
Sat Nov 10, 2018 12:55 pm
Forum: Ask IVA Forum and Industry experts
Topic: Options for a friend??
Replies: 7
Views: 2117
My friend is a single parent of 3 children (10,8 and newborn). She is about half way through an iva paying £170 a month. She lives in council accomodation. She works full time but currently is on mat leave. I have been looking into her budget as got arrears with electric and had them round to change...
by abbiesmum2003
Sat Nov 10, 2018 8:18 am
Forum: Ask IVA Forum and Industry experts
Topic: F&F Adjourned - AGAIN!
Replies: 20
Views: 2483
This is usual and seems to be standard practice for CF! Youre lucky though....mine got bumped a minimum of 28 days each time as thry have to give creditors that much notice! i imagine someone knows the 'real' reason behind your delays but like foggy saud they never give a straight answer. I did the ...
by abbiesmum2003
Wed Nov 07, 2018 7:52 pm
Forum: Ask IVA Forum and Industry experts
Topic: Completion certificate
Replies: 14
Views: 2968
I didnt realise we had to inform the insolvency register!
We had had our CC for a couple of weeks now and not got round to doing anything about it!
Who do we have to write too?
by abbiesmum2003
Fri Nov 02, 2018 8:28 am
Forum: Ask IVA Forum and Industry experts
Topic: So Close I can Taste It
Replies: 10
Views: 4738
We WERE (thats so goid to say!!) with Creditfix. Communication is not their strong point and customer is always a last point of contact!!! We made 60th payment in june and like you told them I had done so and cancelled DD. We were going through the equity release stuff and had been approved so felt ...
by abbiesmum2003
Thu Nov 01, 2018 1:59 pm
Forum: a success story
Topic: In process of starting an IVA- Stressful
Replies: 14
Views: 4930
We have just completed ours. Bed of roses....yes and no. Much easier than juggling money and panicking each time post drops on the doorstep and wonderig which card to use to pay for this weeks shopping. We had £47k in debt and paying over £1000 a month just in credit cards/loans. Very stressful. I w...
by abbiesmum2003
Fri Oct 26, 2018 9:04 pm
Forum: Ask IVA Forum and Industry experts
Topic: Certificate!
Replies: 9
Views: 5867
Just got home and held my CC!
Looks like we paid back 46p in the £.
Is that a reasonable return??
by abbiesmum2003
Fri Oct 26, 2018 10:11 am
Forum: Ask IVA Forum and Industry experts
Topic: Certificate!
Replies: 9
Views: 5867
Well 2 weeks ago today we completed our IVA by sending funds from a secured loan to Creditfix with thanks to The Select Partnership sorting our equity release stuff out. Today we have received our completion certificates and information about what we have paid back. I am at work so havent seen my ce...
by abbiesmum2003
Fri Oct 19, 2018 5:15 pm
Forum: Ask IVA Forum and Industry experts
Topic: Mis-selling of mortgage/tax code
Replies: 7
Views: 6289
completely agree with you Foggy! Its getting ridiculous!
by abbiesmum2003
Fri Oct 19, 2018 8:01 am
Forum: Ask IVA Forum and Industry experts
Topic: Mis-selling of mortgage/tax code
Replies: 7
Views: 6289
Im no expert in these things but because PPi deadline is looming, are they looking into other avenues of claiming additional funds to pay into IVA such as mortgage ppi and medical claims???
just a thought as i imagine lots of extra has come from PPI over the years.
by abbiesmum2003
Thu Oct 18, 2018 9:19 pm
Forum: Ask IVA Forum and Industry experts
Topic: Affordability Passport
Replies: 8
Views: 6057
I am with creditfix and would never trust anybody else to have access to my bank accounts. They do not need to access them. Something very odd about that request. All reviews have been competed with an I&E form, copies of payslips and letters of confirmation for direct debits changing. I would b...
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Search found 734 matches Page 1 of 49