Thanks I will def be asking for money for birthday and Christmas then

Thanks Kallis!

Thanks Helen the windfall clause is a nasty one to follow because it says about covering financial gifts which does seem a bit harsh! Was initially concerned about being in breach of IVA if I did get financial gifts from family for xmas/bday but I am sure I wouldnt be now, because a gift is not cred...

Hello I am now in an IVA and think I will be fine for the next 5 years as far as living within my means goes I have one general question though, if people in my family give me money for Christmas, do I have to declare, thus lose it all? Say for example, if my Mum, Dad, 2 Brothers and Sister gave me ...

Blair Endersby

I have a sound case, and whilst I dont know if the builder has the money in the bank, I do know that he is a bus driver which can be quite a well paid job, and I believe that an attachment of earnings would be possible if I win the case

I am in the IVA but I have not been allocated a supervisor yet

Good idea I dont mind going after the builder to get the money for creditors but obviously I need to avoid using my very limited money for the fees.

I have just changed home insurance providers which may complicate things slightly but could look at it

ok thanks for the advice He wasnt included on my IVA because I borrowed the money after the IVA had been sent to the creditors and before I had a date confirmed for the meeting of creditors. I knew that it was a very short term loan and didnt expect the meeting of creditors to get convened as fast a...

No my brother wasnt because I needed to borrow some money to tide me over till the meeting of creditors which has now happened Thankfully I didnt use all of the money and I will get a bit more in my April wages (not enough to go above 10% though) The money is shown going into my account and I want t...

Would I be in breach of my IVA if I pay £300.00 which I borrowed from my brother before the IVA was put in place. Am I able to take the money out in cash or transfer the money?