29.72 pounds to live on a month

[hara]

Do you need AOL? yes you may have stop smoking or cut down.

What about yor husband is he not supporting you? do you eally have to pay to charities when you yoursel do not have spare cash?

hara

[Skippy]

When I was in my IVA Dave was supporting me, but as far as I can see that's not the point - I thought the point of an IVA was to allow a person to repay as much of their debt as they can afford, while being able to live a reasonable (careful not not extravagent) life, not to have to be supported by their partner.

Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.

View my blog at http://skippy13.blogs.iva.co.uk/

[tracy.h]

Hi Karen
This seems unrealistic to be honest it is sad that people agree to non viable iva's just to get them axcepted.I realise thatBR is a frightning thought but if you look at it realisticly the only ones looseing out are the creditors and of course your ip if you havnt paid enough to sanction your own BR.
As Skippy said an iva is meant to allow you to live a realistic life and in your case this is not the case.Please persue your ip and try and get some answers as to why they excepted an iva that was not viable.
Tracy

[Sensible77]

Hi, Karen. Was your IVA based on your joint income or just your own? If both incomes have been taken into account, (as mine was), your husband should be supporting you. I cannot see how an IVA that leaves you with £29.72 a month left could have been agreed by your IP or creditors. Please don't take this as criticism as the more we know, the more we can advise.

[andyb]

i karen if u dont get your payment drop u need to find ways to get round it.this is wot i do
i rent a house of a mate of mine for 300 amonth
when my yearly review come up i get hime to write proof of rent document up for 470 amonth i then send this off with my review.witch leaves me with 170 for myself after all my outgoings. with me paying my rent cash i just take the 470out pay my 300 rent 170 4 me

[MelanieGiles]

Well I certainly would not recommend that method to any persons in and IVA - as this is deceiving your IP and your creditors. My answer probably won't make me very popular on the forum, but an IVA has to work with mutual trust between client and IP.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk

[catullus]

Without a doubt, and if you got found out and were eventually made bankrupt,you could even find yourself on the wrong end of a BRO.

[Sensible77]

Melanie's certainly correct. I'm sure there are many people in an IVA who do similar scams. At the end of the day, you will be caught out and the stress of remembering 2 different versions of living expenses will take its toll. Remember, your creditors are not stupid!

[Adam Davies]

Hi
This forum is not to be used for ways to conceal earnings and expenditure.
Regards


Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

[andyb]

hi hall i dont wont peaple to think i was trying to be big headed about my last post maybe it is the wrong thing to be doing.ive been in my iva 3 years 1year into my iva i became a dad and it really hurt me when my wife wash buying everthing for my son because i couldnt. looking back maybe it is the wrong adivce to give some one and i just wont to say sorry.i just dont wont my son to suffer for mistakes ive made in the past getting into det

[andyb]

sorry andy will not happen again

[Adam Davies]

Hi
No problem.
I know how hard it is.
Regards

Andy Davie
IVA.co.uk Spokesperson

About me:
http://www.iva.co.uk/andy_davie_profile.asp

IVA Helpline: 0800 197 4838
http://www.iva.co.uk/iva_helpline.asp

[hymers]

I AM WITH CLEAR START they are brilliant - there seems yo be a definite problem of error here somwehere please make sure you tell them everything it really matters they are there to help you and they do allow contingiencies in all cases as far as I know
J x

[Keepingmyheadabovewater]

hi karen i am with freeman jones they are fantastic i have debts going into my iva of £25.000 pounds they told me it would cost at first £245.00 per month for 5 years but then i had a phone call of them to say its gone from £245.00 to £265.00 they asked me if this was ok i have over £200 per month to spend if i want to

JOHN

[Keepingmyheadabovewater]

freeman jones use price waterhousecooper for insolvency i think they are the biggest

JOHN