Hey Guys, Been a while since I posted on here and a lot has happened, due to personal reasons [:)] I have decided that my house has to go. Not worth the hassle at the mo, so time to move on and get a fresh start [:)] I took my mortgage out in 2007 and looking at the other houses for sale in the hous...

Hi Andrew,

I would suggest emailing the IP direct, I am with BE and any other form of communication other than mailing your IP direct seems to fail [:(]

I spoke to someone on the phone a few weeks ago and was expecting a callback......still waiting [:(]

Increase Should be fine Jan, I was working a bit from memeory in my earlier posting as I was still in work and just got a bit paniky thinking about it [:D]

Roll on next year......Hopefully will no more major chnages [:)]

All over [:D] not to bad, may have to provide proof of my car insurance as it has gone up from £54 to £75 a month[:0].

Monthly IVA payment increased by £75, cant grumble some allowances increased for clothing etc [:)]

Thanks for the support guys.

Hi Helen, its being done over the phone. Got to rush home from work to get the call [:)]

Got my first year review tonight, where has the last year gone [:)] I've had some down days but overall I have coped alot better than I thought I would and looking forward to it getting even easier over the next year and beyond[:)] Although I must admit I am a bit apprehensive, probaly because it is...

Thanks for the quick response Andy

Thanks Jan [:)]

I had a loan with northern rock (about 5k) that I was paying alongside my mortgage with them. They tried to push for a 6 year IVA, but as a majority of my other creditors agreed to a 5 year deal they had to shut up and agree...lol[:D] I have read a couple of posts where Northern Rock have tried to g...

Guys, I need to change my username asap. Can't seem to change it within my profile page. Any ideas please [:)]

I'm sure if you are a serving officer and go into an IVA, it does not effect your employment as a police officer.( I'm trying to find the article I read before!)

Just effects new applications, which really does not make alot of sense [:(]

Hi Robert, I dont like to be a bearer of bad news but according to their website (http://www.south-wales.police.uk/en/content/cms/join-us/police-officer-cym/am-i-eligible/) it says "Applicants who are the subject of a current Individual Voluntary Arrangement (IVA) will not be considered" Did it ask ...

Thanks for the feedback guys, reliable as ever [:)]

Just one question for Melanie, Arcticles of Association I am assuming is written into my IVA somewhere?

Hi Everyone, Not sure if this has been asked before, cant find anything on the forum search. I am seroiusly deciding to become a full time IT contractor as the market is now thriving again and should be for the forseeable future. As some of you may know I am a year into my IVA, but the best way for ...

Hi Tom, This time last year I was in a similar situation to yourself do I go Bankrupt or opt for an IVA, Glad to say I went down the IVA route[:D] My Total debt was around £21000 and I have been paying £160 a month into my IVA since in was approved July last year. So there are companies out there th...