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by luluj
Thu Apr 18, 2019 12:15 am
Forum: Ask IVA Forum and Industry experts
Topic: 7 Long Years Later!!!
Replies: 9
Views: 298

Thank you for sharing- without doubt a journey to remember that has helped turn
your life around ... good luck going forward xx
by luluj
Tue Apr 16, 2019 10:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: Annual bonus
Replies: 4
Views: 242

Let your IP calculate it for you... come what may you will still benefit and think of a little treat for yourself as you deserve it !
by luluj
Sat Apr 13, 2019 3:25 pm
Forum: thinking of making your first post ?
Topic: Had no idea this forum existed!!
Replies: 13
Views: 487

I live in Beds ... so not too far from Watford ..and would be happy to arrange through admin to exchange email addresses if you wanted to arrange to meet up half way.
by luluj
Fri Apr 12, 2019 6:31 pm
Forum: thinking of making your first post ?
Topic: Had no idea this forum existed!!
Replies: 13
Views: 487

Welcome to the forum ... an iva helped us achieve debt freedom in 2011 ... 8 years on I remain on the forum to help and support others as they start and end their journies .... Think of it as a 5 year loan ... mark up a chart 60 down to 0, and each month tick off a box .. you will be surprised how q...
by luluj
Fri Apr 12, 2019 6:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: Help so terrified
Replies: 21
Views: 911

I would agree to try and reduce payments, accept the extra 12 months ... your children won't notice anything .... it's just a little hurdle... don't worry ..if that is all they are asking as a modification I would be quite happy !
by luluj
Wed Apr 10, 2019 11:48 pm
Forum: Ask IVA Forum and Industry experts
Topic: Credit score question
Replies: 4
Views: 558

Personally not seen that before - might be worth just checking in with your IP to see what the status means
by luluj
Wed Apr 10, 2019 11:25 pm
Forum: Ask IVA Forum and Industry experts
Topic: Payment Break
Replies: 2
Views: 533

They are the discretion of your IP and are added to the end of your IVA - have a chat with them, explain to them - it may be more cost effective in long run to get pet insurance with a monthly outgoing for any new "illnesses" so that you are covered in your iva period.
by luluj
Wed Apr 10, 2019 6:34 pm
Forum: Ask IVA Forum and Industry experts
Topic: Why does it take 6 months for IVA completion certificate?
Replies: 4
Views: 601

Good to hear things have progressed and you have plans in place this year. Hopefully closure is not just around the corner x
by luluj
Tue Apr 09, 2019 9:54 pm
Forum: Ask IVA Forum and Industry experts
Topic: Neville Eckley
Replies: 3
Views: 811

Foggy - you need to be a private investigator...well traced !
by luluj
Tue Apr 09, 2019 9:51 pm
Forum: Ask IVA Forum and Industry experts
Topic: Test
Replies: 5
Views: 590

Right now the forum is testing - still cannot post a new topic easily ...
by luluj
Tue Apr 09, 2019 9:50 pm
Forum: Ask IVA Forum and Industry experts
Topic: Test Topic
Replies: 2
Views: 544

Ignoring you !
by luluj
Tue Apr 09, 2019 9:49 pm
Forum: Ask IVA Forum and Industry experts
Topic: Scared
Replies: 6
Views: 652

Think positive .. if they were going to close your account they would need to give you sufficient notice of closure so you can make arrangements. HSBC gave us 14 day notice in our iva in 2007 and we had to act quickly at that time. If it were me I would go online and apply for a cash builder as a ba...
by luluj
Sun Apr 07, 2019 9:26 pm
Forum: Ask IVA Forum and Industry experts
Topic: IVA meeting still over a week away
Replies: 9
Views: 903

Just either ignore the calls or refuse to answer the security questions
by luluj
Thu Apr 04, 2019 1:18 am
Forum: Ask IVA Forum and Industry experts
Topic: F&F IVA approved, questions about HMRC medications
Replies: 16
Views: 1014

Your banking arrangements are a little difficult to manage when in an iva and most IPs should know and understand the need to have separate accounts, at least for the business and personal side of things.
Have a chat with your IP and explain - am sure all will be ok.
by luluj
Wed Apr 03, 2019 2:58 am
Forum: bonus, overtime, pay rises and windfalls
Topic: Earning more money during my IVA
Replies: 2
Views: 912

Firstly whilst in your iva you will always owe the full amount of your debt prior to your iva agreement. If your circumstances change where you are able to pay back 100p in the pound, plus IP fees and statutory interest your iva will then conclude. Your credit record is not cleared until the 6th ann...
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