i'll wait on hearing back from Mel and co,im just impatient!!

maybe a wee bit offtopic - online banking - a great thing about natwest/ulsterbank step account is transactions are in real time wheras with co op cashminder transactions dont appear for a day and worse over the weekends. tried halifax cash account and they took 3 days for an online transcation to a...

my mortgage fixed rate has ended and im moving to SVR which means my payment will reduce by £117.60. how much of this will i have to add into my IVA payment? im also concerned about what happens if/when interest rate rise and impact on my ability to maintain Iva payments. just posted info off to Mel...

just to clarify - it is possible to have a bank account which was opened prior to iva with a company whose credit card debt was included in iva?

and they wont try to recover any money i put into current account to offset previous debt?

thanks for the comments. sometimes feel guilty not posting here to give feedback to help others as i always relied on other folks experiences when i entered into iva. but have to be honest and say its been life changing,i feel relief at knowing everything i now buy is actually paid for,not on credit...

just made my 12th payment so i guess thats one year down and 5 to go. what a year it has been. have had a lot of different things to adjust to. long term relationship ended,have had a few money worries not least the letter from northern rock asking me to reapply to keep me on interest only for a fur...

your are right Michael

i guess im complaining that because there is no regular overtime i have to slaughter myself on the months when there is!

i'll see what mel says. it seems to me then that even if there is loads of overtime available in a particular month i should turn it down and merely work 16 hrs which is a tenth of my working month. its a pity that in the months i know there will be zero overtime i couldnt have compensated in previo...

i'll wait to hear back from Melanie then

as i understand it i am allowed to earn overtime up to 10% of my monthly take home pay then anything above that is split 50/50 between myself and iva practitioner. what is situation when i dont get same amount of overtime per month sometimes zero hours and other months 60 hours? can my overtime be t...

previous to starting my IVA application i had contacted northern rock to switch to interest only and was quite simple. they sent me form asking a few questions and wanted me to explain in a little more depth why i want to go to interest only. it was approved very quickly and very straight forward. h...

well i hope it goes some way to encourage others to take that leap of faith and contact an IP for help,i certainly wish i had done so sooner!

thanks everyone,truly is a massive relief.

the friendship and support here is second to none,you all helped me through some tough times.

hi elv,your story about Mel says everything about who and how she is for sure.

good luck pennyless hope all goes well for you!

oops just read that back-its a bit long-sorry!