Search found 25 matches

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Search found 25 matches Page 1 of 2
by r0bs0n
Mon May 21, 2018 7:23 pm
Forum: Ask IVA Forum and Industry experts
Topic: Creditors Meeting nerves
Replies: 10
Views: 1342
I've not long had mine approved and I was such a nervous wreck from the first to last phone call, you never think you'll get approved. I'm around 32p/£ so trust me your offer is very good, but like other posts even as long as like 15p/£ gets accepted as it's still better than bankruptcy so honestly ...
by r0bs0n
Mon May 21, 2018 6:03 pm
Forum: Ask IVA Forum and Industry experts
Topic: Moving in with partner
Replies: 6
Views: 1332
Is it different if it's both of us looking to rent somewhere? I imagine I wouldn't pass a credit check now so trying to steer away from regular estate agents and go privately like openrent and stuff but I wondered if the same principles would apply if I told them I was changing address and everythin...
by r0bs0n
Mon May 21, 2018 4:52 pm
Forum: Ask IVA Forum and Industry experts
Topic: Moving in with partner
Replies: 6
Views: 1332
How much would you tell the IP? I mean I'd have to say I'm changing address but do I just say I'm lodging with a friend and I'm paying X amount?
by r0bs0n
Mon May 21, 2018 12:42 pm
Forum: Ask IVA Forum and Industry experts
Topic: Moving in with partner
Replies: 6
Views: 1332
Thank you, I think that'd be for the easiest solution in terms of managing the money and keeping things seperate. When it comes to things like council tax as she'd have to declare that I live there, would that link us financially? Or would she just say someone else lives there, this is their name he...
by r0bs0n
Mon May 21, 2018 12:08 pm
Forum: Ask IVA Forum and Industry experts
Topic: Moving in with partner
Replies: 6
Views: 1332
I have a question regarding moving in / renting somewhere with a partner. Currently I live with my parents so I don't have things like utility bills included on my IVA as it's all covered in my rent. How does it work when moving in with a partner, if it's her place and I'm just moving in can I give ...
by r0bs0n
Thu May 17, 2018 3:09 pm
Forum: Ask IVA Forum and Industry experts
Topic: Paid Four-Weekly, how does this work?
Replies: 14
Views: 2890
I could apply for an account online it seems quite easy these days, my question is that if I saved what extra I earned over the course of a couple of years and say I had £2000 in there, wouldn’t my IP want that paid into the IVA due to having visibility of it being my account? I appreciate all the h...
by r0bs0n
Thu May 17, 2018 2:43 pm
Forum: Ask IVA Forum and Industry experts
Topic: Paid Four-Weekly, how does this work?
Replies: 14
Views: 2890
Brilliant news - really pleased for you! I would certainly put this to one side as a contingency fund. Thank you! :) Would you withdraw it? Im due a bonus in August of maybe £1800, i understand tje 10% 50/50 as thats what my clause is as i ahd overtime paid today but luckily i didnt have to pay any...
by r0bs0n
Thu May 17, 2018 2:16 pm
Forum: Ask IVA Forum and Industry experts
Topic: Paid Four-Weekly, how does this work?
Replies: 14
Views: 2890
It got approved! Very happy as I felt so sick this morning being anxious waiting for that phone to ring. Slight modification which I can deal with but all in all happy! They just said don't worry about the four weekly thing, they said any major issues will flag up at a yearly review but currently th...
by r0bs0n
Wed May 16, 2018 4:28 pm
Forum: Ask IVA Forum and Industry experts
Topic: Paid Four-Weekly, how does this work?
Replies: 14
Views: 2890
It should already be detailed in your proposal - you would have had to complete and include an I&E form and they would have had to calculate your contributions and disclose how often you were proposing to pay them... Well I can’t remember if I told the referrer or the IP, it was mentioned befor...
by r0bs0n
Wed May 16, 2018 1:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: Paid Four-Weekly, how does this work?
Replies: 14
Views: 2890
Spoken with my IP who said it shouldn't be a problem but they've put a note on the system mentioning it anyway so that it's on record for the meeting tomorrow and things like that, it's put my mind at rest. He also said that my creditors are mostly from major companies and I shouldn't have an issue ...
by r0bs0n
Wed May 16, 2018 11:34 am
Forum: Ask IVA Forum and Industry experts
Topic: Paid Four-Weekly, how does this work?
Replies: 14
Views: 2890
Hi all, I get paid every four weeks by my employer, which means that I get 13 pay days a year, usually around Christmas time I get 2 pay days, one at the beginning of the month and one at the end, usually it's a freebie for some of the big bills that come out on the first which was budgeted for the ...
by r0bs0n
Fri May 11, 2018 8:07 pm
Forum: Ask IVA Forum and Industry experts
Topic: Question about expenditure
Replies: 29
Views: 4452
Another random question and I do apologise for it. In the IVA proposal my car is listed as an asset that needs to be left out as I need it for work and all that which is fairly regular, my question is what happens if I want to change the car? For example I sell that car and buy a different one of s...
by r0bs0n
Fri May 11, 2018 7:17 pm
Forum: Ask IVA Forum and Industry experts
Topic: Question about expenditure
Replies: 29
Views: 4452
Another random question and I do apologise for it. In the IVA proposal my car is listed as an asset that needs to be left out as I need it for work and all that which is fairly regular, my question is what happens if I want to change the car? For example I sell that car and buy a different one of si...
by r0bs0n
Wed May 09, 2018 10:53 pm
Forum: Ask IVA Forum and Industry experts
Topic: Question about expenditure
Replies: 29
Views: 4452
kallis3 wrote:
We bought a terranmundi and squirrelled away money and smashed the jar on Christmas Day to see what we had saved


How much did you end up with if you don’t mind me asking?
by r0bs0n
Wed May 09, 2018 6:06 pm
Forum: Ask IVA Forum and Industry experts
Topic: Question about expenditure
Replies: 29
Views: 4452
I mean if you manage withdraw in cash and have the savings in the bank of mattress they wouldn't know about it / be able to grab it would they? I'm scared of them taking anything spare, I'm the kind of person where I like to know all the eventualities and possibilities before doing something so forg...
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Search found 25 matches Page 1 of 2