hi i am in alot of debt at the moment i am just managing to pay my debetors but i have no extra money left at the end of the month i am looking into having a iva but i was wondering if i would still be able ro keep my sky and my internet ( i have only had this since jan)?
Hi, we have not managed to get an IVA going yet and in the interim have cancelled all non-essential things like Sky. But from the discussions I have had, it seems that you can include some basic Sky costs in the income and expenditure calculations. If you haven't already, then perhaps it's worth speaking to an Insolvency Practioner. All the folks on here seem to recommend contacting a couple, which can be found (with ratings) on iva.com
I have sky and the internet included with no problems.
I would give one or two companies a ring. Visit www.iva.com for a list of companies and reviews. They will give you free and impartial advice about all the options open to you and advise you as to the best way forward for your circumstances.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
JoannaD - no worries these will be acceptable in your expenditure analysis. Best bet is to have a chat with an IP. Select from reviews of them on www.iva.com - rest assured you'll get the appropriate advice from one of them. Good luck.
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.
