Search found 34 matches

Search found 34 matches Page 1 of 3
by mumof3
Mon Jul 16, 2018 3:54 pm
Forum: Ask IVA Forum and Industry experts
Topic: Iva living budgets
Replies: 6
Views: 4884
We were allowed an allowance of £600 a month for groceries and household products. We are a family of 5. Emergency fund, we save up our allowances from things such as dental, prescriptions, hair cuts, car maintenance if we do not need to use them that month. It is then useful when needed such as my ...
by mumof3
Mon Jul 16, 2018 3:46 pm
Forum: Ask IVA Forum and Industry experts
Topic: credit report
Replies: 4
Views: 251
Thank you. So it's ok coming up as defaulted every month. I will check to make sure everything goes back to the correct date.
by mumof3
Mon Jul 16, 2018 9:48 am
Forum: Ask IVA Forum and Industry experts
Topic: credit report
Replies: 4
Views: 251
Hi,
On my credit report should my accounts show as defaulted on every month during an IVA? Just I thought if it took 6 years for defaults to fall off your credit report then surely it can't show as default all the way through the IVA.
Thanks for any info.
by mumof3
Fri Apr 27, 2018 1:22 pm
Forum: Ask IVA Forum and Industry experts
Topic: Pay rise due 4th may
Replies: 10
Views: 4941
Sorry to jump on post. So if my husband gets a pay rise this June we get to keep the extra income until our review? Then after that we keep 50% of the rise?
by mumof3
Fri Apr 27, 2018 1:20 pm
Forum: Ask IVA Forum and Industry experts
Topic: Help. Companies saying I owe debt
Replies: 7
Views: 4612
I wish I knew. Anyway my IP said they are looking in to it for me. They said not to worry, my IVA will not fail over this. So I will update once I get some answers from them.
by mumof3
Mon Apr 23, 2018 5:56 am
Forum: Ask IVA Forum and Industry experts
Topic: Help. Companies saying I owe debt
Replies: 7
Views: 4612
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: 7
Views: 4612
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: 7
Views: 4612
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: 4797
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: 5002
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: 4792
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: 4611
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: 4400
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: 3499
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: 3499
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...
Search found 34 matches Page 1 of 3