We just completed an 8 year IVA with GT / Aperture. Completed July 11th 2017 and I have the CC. It has been a long journey due to changes in circumstances and the ups and downs that life sends. We want to thank the GT and Aperture teams for working with us and for us to find solutions. The Aperture ...

Hi I've kept mine for 3 years in our IVA. I started with BE and am now with GT. Both companies have listened and although I have a scarily low allowance for our pets! It has touch wood been managable. I have made adjustments like cancelling insurance and relying on family and horsey friends for extr...

Next week I will ask my IP once again to accept the I&E which leaves £200 per month disposable and covers all our expenditure even for most expensive months. We would always be able to pay over any money left at end of month to IVA. To cover car and boiler I will ask for payment break or additional ...

Hi Melanie No; I don't believe we'd be in this position if I was. I have read many times on the forum about how you have managed to negotiate realistic I&E for your client and get them accepted. The I&E I have put forward have been honest and realistic but not accepted. Stupidly we thought that we w...

Hi Andy I Andy and thanks. I know IVA is high and main problem is that our actual outgoings are not reflected in the I&E; meaning we can just about make it when there are no emergencies or my expenses have been low. We should pay £528 and IVA company did reduce to £343 from last month if we increase...

Hi forum I am need of advice and am talking to my IP via email hoping for response next week. I just wondered if any one had any thoughts that might help as decide our next move. Feeling deperate right now. We have run into problems again with our IVA and having missed two payments think this could ...

Hi Redfox For an important offer like this email your IP at BE directly and Cc to your account manager or vice versa. In my nearly a year experience with them this has proved to be the best method for communication. I guess the call centre part of BE must be really busy. Quite often emails and phone...

Thanks everyone I will email IP directly if that break could be authorised without referring to creditors thats all we want. I haven't had a vet bill for any of the animals in 7 years and I fell and cracked my tooth that with the plumbing and car tax all within two months of the start of the IVA - i...

Thank you Andy and Skippy I asked account manager for both of your suggestions and was told that creditors would not agree to either a payment break or an extra month at end because it is so early into IVA - hence the increase to cover missed payment. This does seem short sighted as with continuatio...

Hi Julie, RHB and Flumpy Thanks for replies. I am feeling fairly desperate but all the reasons we decided on IVA still stand and I don't want to lose the ponies or the house and I do want to repay my creditors. Julie I am reassurred to hear that you feel IP is being fair that is positive to hear whe...

I have a pension question and wondered if anyone could share experience. I change jobs in April and my pension contributions from my pay and employer will stop. Can I set up a new pension and pay same amount as used to be deducted into it ? Can I or will I be expected to; pay usual pension contribut...

Happy New Year All XX Feeling lost again after 2 months of IVA. First payment November 10th, second payment Dec 1st cancelled 3rd payment with intention of resuming Feb 1st (informed account manager of intention). Husbands car tax October 31st, Mine December 31st, Emergency dental work £80 in Decemb...

I'm with Blair Endersby; IVA approved 13/10/09 Lloyds TSB didn't vote. Best of luck x

IVA approved with Blair Endersby after two adjournments not good for the nerves.Egg, Sky, Wesleyan voted for MBNA, Capital One, Max recovery voted against. Lloyds TSB, Santander Cards did not vote. We have agreed to run for 6 rather than 5 years that was a Wesleyan modification, and as their loan wa...

Hi Angela Once again thank you for making me check through the paperwork, messages and draft proposal. It can't be checked too many times can it. But without specific questions in mind can be like, headless chicken reading the financial times!! The points made by posters on here do make it possible ...