Search found 29 matches

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Search found 29 matches Page 1 of 2
by mumof3
Mon Apr 23, 2018 5:56 am
Forum: Ask IVA Forum and Industry experts
Topic: Help. Companies saying I owe debt
Replies: 6
Views: 1832
Let your IP investigate - tell them to communicate with your IP who can then tell them to go away They had got in touch with the IP themselves and that is now why our IP is asking why we didn’t include them in our Iva. I’m really stressed now as I’m scared it will make our Iva fail when we really d...
by mumof3
Thu Apr 19, 2018 6:29 pm
Forum: Ask IVA Forum and Industry experts
Topic: Help. Companies saying I owe debt
Replies: 6
Views: 1832
Thank you. I’ve told the IP that we don’t owe any money to these companies. I’ve even looked through my credit report and they are not on there as either active or settled accounts .
by mumof3
Thu Apr 19, 2018 3:18 pm
Forum: Ask IVA Forum and Industry experts
Topic: Help. Companies saying I owe debt
Replies: 6
Views: 1832
I have just received a letter from my IP. It is saying that two companies have claimed I owe them money after my IVA has been set up. I know I do not owe these two companies anything. One is a a tv company which we used to have a service with but we have never had any correspondence from them to say...
by mumof3
Thu Apr 12, 2018 9:17 am
Forum: Ask IVA Forum and Industry experts
Topic: Business bank account
Replies: 3
Views: 3815
My husband is looking at going freelance in his work. Can you open a business account if you have an IVA? Thank you
by mumof3
Thu Apr 12, 2018 9:04 am
Forum: Ask IVA Forum and Industry experts
Topic: To pay or not to pay?
Replies: 19
Views: 4835
Hi! We are in our first month of our IVA. Once we decided to go ahead with an IVA we stopped paying the creditors. We rang them all explained what was happening. Most of them put our accounts on hold for 30 days. This gave us a contingency fund which we have already had to dip in to (car repairs etc...
by mumof3
Fri Mar 09, 2018 11:31 am
Forum: Ask IVA Forum and Industry experts
Topic: Step Change experience
Replies: 4
Views: 4753
Hi we have just started an IVA with stepchange and found them great getting it all sorted. Lovely people on the phone, we can email them and get a quick response. Very on the ball.
by mumof3
Fri Mar 09, 2018 11:23 am
Forum: Ask IVA Forum and Industry experts
Topic: Creditors’ meeting today
Replies: 6
Views: 4558
Well done! Its such a relief isn't it? We had ours agreed last month, we make first payment on the 1st April.
by mumof3
Mon Feb 26, 2018 8:53 am
Forum: Ask IVA Forum and Industry experts
Topic: When to stop paying creditors
Replies: 8
Views: 4351
I stopped paying as soon as I had spoken to stepchange and decided an IVA was the way to go. We couldn't afford to keep paying. It also let us build up a bit of an emergency fund, which came in handy as we got a large vet bill in.
by mumof3
Fri Feb 23, 2018 8:31 pm
Forum: Ask IVA Forum and Industry experts
Topic: Savings account
Replies: 3
Views: 3482
Thank you both!
by mumof3
Fri Feb 23, 2018 2:01 pm
Forum: Ask IVA Forum and Industry experts
Topic: Savings account
Replies: 3
Views: 3482
Hi everyone. The money we put aside each month for emergencies and things such as car maintenance which we don't need every month, can we put this in to a savings account? I don't like to think of cash sitting in the house. We will have to send in bank statements at our annual reviews. If we haven't...
by mumof3
Wed Feb 21, 2018 6:53 pm
Forum: Ask IVA Forum and Industry experts
Topic: Creditors meeting
Replies: 10
Views: 2807
Good luck Gouldy!

It certainly does MelP
by mumof3
Tue Feb 20, 2018 2:32 pm
Forum: Ask IVA Forum and Industry experts
Topic: Creditors meeting
Replies: 10
Views: 2807
Foggy wrote:
Well done, but why the extra year ?


Not sure. Was just what one of the major creditors wanted.
by mumof3
Tue Feb 20, 2018 1:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: Creditors meeting
Replies: 10
Views: 2807
All accepted :) just added an extra year on to the 5 years.
by mumof3
Tue Feb 20, 2018 10:24 am
Forum: Ask IVA Forum and Industry experts
Topic: Creditors meeting
Replies: 10
Views: 2807
Wish me luck. Creditors meeting this morning.
by mumof3
Thu Feb 15, 2018 5:05 pm
Forum: Ask IVA Forum and Industry experts
Topic: Need some advice please on proposal modifcation
Replies: 6
Views: 3205
No just willing to cut down on the budget if needed. It would have came out of the ‘hobbies/entertainment’.
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Search found 29 matches Page 1 of 2