Search found 40 matches

Search found 40 matches Page 1 of 3
by mumof3
Mon Aug 06, 2018 8:59 pm
Forum: Ask IVA Forum and Industry experts
Topic: Accepted
Replies: 12
Views: 4467
Congratulations! We are 6 months in to our IVA and the stress has lifted! Feel so much more in control and we have our budget and stick to it.
by mumof3
Mon Aug 06, 2018 4:13 pm
Forum: Ask IVA Forum and Industry experts
Topic: Pay rise
Replies: 12
Views: 5796
I got a reply from step change. I don’t need to pay any of the pay rise over as it isn’t over 10% if income.
by mumof3
Mon Jul 30, 2018 3:15 pm
Forum: Ask IVA Forum and Industry experts
Topic: Pay rise
Replies: 12
Views: 5796
I’ve informed my IP so will see what they say.
My clause says exactly the same as above. Are you with stepchange by any chance? I can’t see anything in mine about IVA anniversary.
by mumof3
Sun Jul 29, 2018 9:26 pm
Forum: Ask IVA Forum and Industry experts
Topic: Pay rise
Replies: 12
Views: 5796
Thank you! I am going to read my proposal tomorrow but will inform IP.
by mumof3
Sun Jul 29, 2018 2:33 pm
Forum: Ask IVA Forum and Industry experts
Topic: Pay rise
Replies: 12
Views: 5796
My husband just had a small cost of living payrise at 7%. The payrise does not take us over 10% of his income in which we would pay 50% over. Do we inform IP of payrise or wait till review?
by mumof3
Thu Jul 26, 2018 7:57 am
Forum: Ask IVA Forum and Industry experts
Topic: No credit in an IVA?
Replies: 7
Views: 5965
All of this should have been discussed, at length, before you signed up for the IVA. Sadly it seems that numbers are far more important than happy, well informed clients. You are shot from credit for at least 6 years from the start of your IVA, while in the IVA you can not attempt to get credit, ot...
by mumof3
Mon Jul 16, 2018 3:54 pm
Forum: Ask IVA Forum and Industry experts
Topic: Iva living budgets
Replies: 6
Views: 5122
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: 4542
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: 4542
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: 4978
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: 4618
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: 4618
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: 4618
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: 4618
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: 4817
My husband is looking at going freelance in his work. Can you open a business account if you have an IVA? Thank you
Search found 40 matches Page 1 of 3