Hi, I had a letter arrive today from a firm i thought i had included on my iva. It turns out that that for one reason or another it was overlooked. To add to that when i changed banks as instructed no payments were made. This firm never wrote to me with reminders so i now find myself on the end of a...

Ye its not good at the mo but seeking advice fom my ip so hopefully things might get better

If I were your IP I would fight creditors tooth and nail for you to keep that money. My own husband retired from the forces after 22 years and found it incredibly hard to settle - he has been in the Army from the age of 15. A great pity this was not considered at the time you entered into the IVA -...

Many thanks mate. i'm just hoping that if i am going to finnish my career in 2 years time i can use the money to resettle back into civi street without the iva making life more difficult than it will be.

Hi thanks for your reply. This was not mentiond in the iva as i was expecting to still be serving. I don't think there is a mention in the proposal. I will have to check the proposal when i get home. The list of long service jobs has gone down due to soldiers choosing to serve longer and recruiting ...

Hi iam coming to the end of my first year of my iva. In two years time i could be finishing my time in the army. Will my pension and lump some be classed as a windfall? If so would they take all my lump sum? please help!