Search found 348 matches

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Search found 348 matches Page 1 of 24
by watzki
Mon Apr 23, 2018 7:10 pm
Forum: thinking of making your first post ?
Topic: Stressed, embarassed and a failure
Replies: 13
Views: 1212
First and foremost you are not a failure,many people on here have been in your situation,many people in a worse situation including us,we had a 100k+ of unsecured debt. We took the iva route as we had our own home that we could lose. We spent just over 6 years in an iva,it was hard going at first bu...
by watzki
Tue Apr 17, 2018 6:36 pm
Forum: Ask IVA Forum and Industry experts
Topic: Harrington Brooks in Administration
Replies: 5
Views: 3148
We had our iva with freeman Jones all went pretty smoothly until the last six month but hey ho all water under the bridge.
Very good communication on phone
Always listened and always rang back when they said.
What I liked best you got a text when they received documents that you sent
by watzki
Wed Apr 04, 2018 5:17 pm
Forum: self employed and company/business
Topic: How much tax will I pay now that I am self-employed
Replies: 3
Views: 5643
You pay 20% of your wages if you are in the building industry,if you are doing your own business you pay when you submit your accounts
by watzki
Sat Feb 24, 2018 2:33 pm
Forum: Ask IVA Forum and Industry experts
Topic: Public Liability Insurance
Replies: 3
Views: 3372
I got PLI through simply business a few years ago whilst in an iva
by watzki
Fri Feb 09, 2018 2:09 pm
Forum: Ask IVA Forum and Industry experts
Topic: Pension to be cancelled in IVA?
Replies: 8
Views: 3672
I had a personal pension throughout my iva all be it a modest one of only £42 a month,it was mentioned at the beginning it might have to be frozen but it never was
by watzki
Fri Feb 02, 2018 8:52 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA extended by 24 months
Replies: 17
Views: 3889
Ah the good old NRAM 6 year amendments,this from the company who recklessly lent money to people who had no hope of paying it back. Then demand that those said people pay them an extra year as a penalty. Then they sell the debt on after 5 years (they did with mine) so what really is the point they a...
by watzki
Wed Jan 31, 2018 9:09 pm
Forum: Ask IVA Forum and Industry experts
Topic: We have amassed a total of 90k of debt
Replies: 5
Views: 3528
Also get a new bank account that is not tied to any of your creditors before you start the process.
We got a basic bank account set up with Nat West
Good luck
by watzki
Wed Jan 31, 2018 9:01 pm
Forum: Ask IVA Forum and Industry experts
Topic: Just getting started
Replies: 7
Views: 3583
Don't be ashamed we had over a 100k of debt when we finally sought help,we weren't judged by our iva company.
But it was a long road to recovery with plenty of ups and downs.
We are all here for you,with tips,advice or just a virtual shoulder to cry on.
Good luck for the future
by watzki
Tue Jan 30, 2018 6:44 pm
Forum: Ask IVA Forum and Industry experts
Topic: 72
Replies: 7
Views: 3370
Congratulations and I am taking a swig of my wine to toast your future
by watzki
Fri Jan 12, 2018 2:29 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA and Gambling
Replies: 6
Views: 4125
Excellent post!!! I was too a bit of a gambler it was those roulette machines,although I never spent a lot or it was the reason for our debt, I was spending quite a few quid a month. Until we entered our iva I didn't realise how much I was spending,even now I still think off the money I spent on tho...
by watzki
Mon Jan 08, 2018 8:58 pm
Forum: Ask IVA Forum and Industry experts
Topic: feels like its never going to end
Replies: 7
Views: 4290
We always felt the same way in January,but in a way found these next couple of months the easiest.
Keep been positive and the time will fly
by watzki
Thu Dec 28, 2017 3:13 pm
Forum: Ask IVA Forum and Industry experts
Topic: Annual Review Worries
Replies: 9
Views: 4647
I had to supply payslips every six months but no bank statements we also had to send off p60''s aswell.
So you see each company is different
by watzki
Sun Dec 24, 2017 9:31 pm
Forum: Ask IVA Forum and Industry experts
Topic: Merry Christmas
Replies: 5
Views: 5132
Merry Christmas to everyone
by watzki
Sun Dec 24, 2017 7:19 am
Forum: Ask IVA Forum and Industry experts
Topic: Completion certificate :D
Replies: 5
Views: 5718
Great news and a very happy Christmas to you
by watzki
Fri Dec 08, 2017 11:34 pm
Forum: Ask IVA Forum and Industry experts
Topic: Post of the Month
Replies: 3
Views: 6482
Great post
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Search found 348 matches Page 1 of 24