Hi,

My pack has arrived as well. Can you still sign the Deed of Assignments and not be bound by the 2014 protocol update. I have no problem signing over my rights to mis sold PPI but I do not agree with the secured loan option.

Many thanks

Thanks for clarifying that Foggy. It has put my mind at rest.

Hi, Am just reading about people trying to get mortgages etc post IVA. There is a footnote on the Insolvency register stating "Individual Voluntary Arrangements will remain visible while they are Current, and for a period of 3 months after the receipt of notice of the revocation order, full implemen...

Hi all,

Many thanks for all your input and concern. Just to let you know that I have contacted DFD today and they have agreed to a temporary payment break for one month.
This is such a relief and everyone has been so kind so thank you all xxx

Hi,

Thanks for your replies. I'm sure there won't be a problem with the company paying ssp. I was just concerned about the drop in income. Will I be expeced to make it up from other allowances?

Many thanks x

Hi, Could anyone please tell me what happens when you are signed off sick by the doctor?. My husband has just been signed off for a week. Unfortunately the company that he works for do not pay sick pay. He cannot take it as holidays as holiday requests have to be approved 28 days in advance. He will...

Hi, Part of my mortgage has just come off a fixed rate as of 31/03/11. Had a chat with my financial advisor and have been lucky enough to get another fixed rate for three years. My monthly payment has gone up by £40 but fortunately I have been allowed to reduce my IVA contribution by that amount. Ha...

Hello everyone,
Just a qiuck question. I have recently renewed my car insurance and there is a cashback offer of £70 with it after 90 days. Does this class as a windfall?

Many thanks

It makes you wonder if companies actually know the difference between bankrupt and insolvent. If you answer yes to either does that mean that you application is just rejected?. Definitely not fair!

What worries me is that my husband works in security and he was going to apply for a new job last week. The question on the form asked "Have you ever been declared bankrupt or insolvent ". Can't wing it by saying that no he has never been declared bankrupt. I really don't understand why it should be...

Hi Sam, I have a sky package which I pay £38 a month for. It includes the basic package and two multirooms. Because I have two multi rooms I get one for £10 and the other half price. In my income and expendidture I put this dowm and it was not queried. Whether it was taken off another allowance that...

Hi indebtscared, Please try and not worry. You have entered into this IVA which is a legally binding agreement. What can they do? Just ignore them. I have currently made my 6th month payment and I still get the odd letter. A lot of these are computer generated so don't worry. Everything is covered. ...

I think that this is a wind up. In my opinion anyone who has had serious trouble with debt and knows the worry and stress that goes with it would not even be thinking about this. This is last chance saloon and I would certainly never do anything that would jeopardise my IVA cos I certainly don't eve...

Yea!!
Well done.

Take care

Best of luck.......
Will be thinking of you both xxxx