Search found 122 matches

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Search found 122 matches Page 1 of 9
by Mrs_Brown
Tue Feb 12, 2019 11:02 am
Forum: Frugal Friends Map
Topic: how do you do the surveys
Replies: 4
Views: 1972
Not surveys, but I use my phone to take photos of receipts through two apps, Receipt Hog and Shoppix. I earned £5 over 6 months from Receipt Hog, Shoppix was much quicker and took 2months. But that's based on every single receipt, and I tend to split my shopping up, on any single trip I night go to ...
by Mrs_Brown
Fri Feb 08, 2019 7:09 am
Forum: Ask IVA Forum and Industry experts
Topic: Will an IVA work for us?
Replies: 5
Views: 3382
The other thing that occurs to me as I read this is the help to buy part of the house payments, check the clauses in that to ensure there's no insolvency ties that could find them revoking it in any way. I remember hesitating about starting an IVA, although my circumstances are different to yours, I...
by Mrs_Brown
Tue Jan 22, 2019 8:06 am
Forum: Ask IVA Forum and Industry experts
Topic: Self employed and Tax Return
Replies: 5
Views: 4846
any advise please? I would suggest ringing the helpline and asking them if you should amend it / have it noted on file that you were in touch. My inclination would be to say you should if it is the year before the official receiver would have been dealing with your affairs, but it might have an imp...
by Mrs_Brown
Sat Jan 19, 2019 3:58 pm
Forum: Ask IVA Forum and Industry experts
Topic: Ok - IVA why bother take 2
Replies: 7
Views: 5137
Someone once told me he did this, stopped paying and it all dropped off after 6yrs. When I looked at the public insolvency record he was on there, with an old IVA unsettled. I suspect from what I was told, that he set up the IVA then did a bunk on them and allowed his new partner to take on all thei...
by Mrs_Brown
Sat Jan 12, 2019 8:40 am
Forum: Ask IVA Forum and Industry experts
Topic: Why bother with an IVA?
Replies: 5
Views: 5579
From your previous posts I can see yours completed, has something happened since?
by Mrs_Brown
Mon Jan 07, 2019 3:30 pm
Forum: Ask IVA Forum and Industry experts
Topic: My Iva has been accepted today
Replies: 6
Views: 6428
Welcome to the journey! I still remember getting The Call myself, and wanting to almost cry with relief. It must be amazing making those calls and hearing the relief in people's voices.
by Mrs_Brown
Sat Jan 05, 2019 7:54 pm
Forum: Ask IVA Forum and Industry experts
Topic: Advice needed please
Replies: 9
Views: 5434
If you do decide to go ahead with an IVA, I would strongly suggest getting your name off the joint account to avoid impact on your husband's credit rating. Chances are if it's anything like my bank, you will find the joint account frozen the moment the IVA paperwork goes out to their loans team. Als...
by Mrs_Brown
Fri Jan 04, 2019 4:57 pm
Forum: Ask IVA Forum and Industry experts
Topic: Post IVA breach??
Replies: 4
Views: 5363
If you are using a smart phone there are apps available to record calls *HOWEVER* the legality around recording a call is something to be aware of -you can record a call without informing the other party so long as you are the only oerdi person to listen to the recording. If you intend to play the r...
by Mrs_Brown
Mon Dec 24, 2018 8:22 pm
Forum: Ask IVA Forum and Industry experts
Topic: Apprehensive about an IVA
Replies: 7
Views: 6653
I have been counting down to Feb / March to stash my council tax money as a bit of a cushion. Last year I saved it but had an unexpected expense which saw me use it. Hoping for none of those now!
by Mrs_Brown
Mon Dec 24, 2018 7:21 am
Forum: Ask IVA Forum and Industry experts
Topic: Merry Christmas
Replies: 3
Views: 6610
Merry Christmas! Second one for me without those nasty debt worries. I did wonder how many would be struggling with them in January after seeing super stacked trollies in the supermarket yesterday.
by Mrs_Brown
Fri Dec 21, 2018 1:40 pm
Forum: Ask IVA Forum and Industry experts
Topic: Why has my house insurance gone up?
Replies: 3
Views: 7485
Mine went up £20 annually despite no claims. I ended up having to shop around and got a renewal for half the monthly figure. My only thought was it might be because it was an IVA and they are an arm of Lloyds who were included in my creditors. I got my renewal quotes on line but rang up and spoke to...
by Mrs_Brown
Tue Dec 18, 2018 5:43 am
Forum: Ask IVA Forum and Industry experts
Topic: Early release?
Replies: 6
Views: 7754
I agree with your last comment about support. If anything happens where you might need to adjust outgoings or take a payment break because if a dire unexpected emergency whilst your credit history is still going to be affected by an IVA, you might find yourself stuck with no options and a loan you n...
by Mrs_Brown
Fri Dec 07, 2018 7:29 pm
Forum: Ask IVA Forum and Industry experts
Topic: First review
Replies: 4
Views: 8604
Thanks all. It is a relief to have the extra amount available, I had a diagnosis a couple of months ago meaning I need to avoid some things, as ever in this situation the stuff that's "free from" are the more expensive items when you are shopping, even when shopping around. I haven't been ...
by Mrs_Brown
Fri Dec 07, 2018 1:12 pm
Forum: Ask IVA Forum and Industry experts
Topic: First review
Replies: 4
Views: 8604
Update to my earlier posts about my first review with stepchange. The initial review forms were electronic and I struggled to get them to work with not having a paid version of word (posted about it on an earlier post, should anyone else have this issue). Review forms went off my email same day as r...
by Mrs_Brown
Tue Dec 04, 2018 9:42 am
Forum: Ask IVA Forum and Industry experts
Topic: Annual review arrangement?
Replies: 6
Views: 8523
I hope it all goes smoothly :) I found all the stress and worry was for nothing, I had a decision today all is staying the same can’t believe I had a reply so quick. So try not to worry about it (easier said than done :( ) I don’t feel they go through bank statements that thoroughly as giddy said t...
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Search found 122 matches Page 1 of 9