I have run up additional debts

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martine123

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Post by martine123 » Thu Apr 14, 2011 7:06 pm
I have run up additional debt on littlewoods, next and very totally 2k in addition to my IVA, i'm paying the 2k off each month. should i tell my IP as I'm about to offer a F&F
 
 

kazzafunk

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Post by kazzafunk » Thu Apr 14, 2011 7:10 pm
Think it's best to come clean. I'm still new to this but I don't think you are allowed to do this when in an IVA?
Kazza

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http://kazzafunk.blogs.iva.co.uk/

IVA completed 21/03/2012
 
 

kazzafunk

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Post by kazzafunk » Thu Apr 14, 2011 7:11 pm
Think it's best to come clean. I'm still new to this but I don't think you are allowed to do this when in an IVA?
Kazza

Please visit my blog:
http://kazzafunk.blogs.iva.co.uk/

IVA completed 21/03/2012
 
 

kazzafunk

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Post by kazzafunk » Thu Apr 14, 2011 7:12 pm
Think it's best to come clean. I'm still new to this but I don't think you are allowed to do this when in an IVA?
Kazza

Please visit my blog:
http://kazzafunk.blogs.iva.co.uk/

IVA completed 21/03/2012
 
 

kazzafunk

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Post by kazzafunk » Thu Apr 14, 2011 7:15 pm
Not quite sure why that posted 3 times!!! I only pressed submit once!
Kazza

Please visit my blog:
http://kazzafunk.blogs.iva.co.uk/

IVA completed 21/03/2012
 
 

kat68

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Post by kat68 » Thu Apr 14, 2011 7:30 pm
hiya martine,
i would give your ip a call and explain the situation,
i received and read my proposal today and it does clearly state no credit to be taken whilst in an iva, not sure if yours is the same.
kat

IVA accepted 6th May 2011, Full and Final accepted 17th April 2012.
 
 

kat68

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Post by kat68 » Thu Apr 14, 2011 7:34 pm
how far into your iva are you?
kat

IVA accepted 6th May 2011, Full and Final accepted 17th April 2012.
 
 

Broke of London

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Post by Broke of London » Thu Apr 14, 2011 7:37 pm
We all make mistakes. Speak to your IP and let them guide you on hoe to resolve it xx
 
 

MRBLUESKY

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Post by MRBLUESKY » Thu Apr 14, 2011 7:42 pm
Totally agree with BOL.
 
 

martine123

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Post by martine123 » Thu Apr 14, 2011 8:14 pm
I'm halfway throuh my IVA. I'll call my IP, fingers crossed it will be okay!!
 
 

kat68

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Post by kat68 » Thu Apr 14, 2011 8:18 pm
Sure they will be able to advise on a way forward.
kat

IVA accepted 6th May 2011, Full and Final accepted 17th April 2012.
 
 

Shining

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Post by Shining » Thu Apr 14, 2011 8:23 pm
Hopefully it will be ok and then you can move on with your IVA x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

orange

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Post by orange » Thu Apr 14, 2011 8:33 pm
good luck with the IP let us know how you get on
completed july 2011
 
 

kallis3

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Post by kallis3 » Thu Apr 14, 2011 10:33 pm
Good luck - hope it works out ok for you.
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
 
 

martine123

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Post by martine123 » Fri Apr 15, 2011 7:18 pm
I contacted my IP who read the T&Cs of my IVA (I felt like a naughty child listening to the headmaster :o) ) When she'd finished she asked why I did it and i explained that my debts in the first place had been run over several years when I suffering from clinical depression and my dad had found out in late November that he had terminal lung cancer and I started to spiral out of control again - luckily though after a few weeks I realised what I was doing and sought help. She asked why I did it and I wasn't going to lie. I think my honesty threw her a bit because she mumbled that she was sorry and that it would be noted on my file but I had to pay it off asap. I'm glad I spoke to her, so thanks for the advice everyone.
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