Hi I did email in response to this at the weekend but didn't hear anything so have emailed again Jules

Fimally, after what seemed like an age the lump sum IVA was accepeted and completed in effect on Friday- didn't find out till late Friday. The start of another new journey. [:o I still of course need to repay the monies that were loaned to me to be able to do a lump sum offer. At least I will also g...

Am having an IVA put together. Taking a bit longer as it was realised that for 5 yr IVA halfway through I woudl have no disposable income to offer so it will be a a ' one off' IVA proposale. The money is being lent to me and will not be able to be paid into the IVA comapny's account until next week ...

Hi am looking at this and a relative will lend me some money so I can do this. I understand that I need a letter from this person to say she will lend me the money? Is there anythign else that needs to be in it? Also my relative has asked how to go about ( assuming proposal accepted) this is to be p...

Seen a similar porblem with MBNA- they are ringing me everyday at work- am not allowed personal calls at work. Have written to them twice asking them to stop and explaining I am just having an IVA proposal written and passing on all the details/ tel no/ reference number etc. It is getting embarassin...

I will ask them tomorrow- it's only this weekend I have had chance to look at the proposal ( not finished yet)but as the situation is quite complex and when I have done the maths I can see year 1 and year 2 are ok but after that it wouldn't be. Company is cleardebt

Hi currently having IVA proposal drawn up- apparently it is more complex than normal. This is in part due to having a salary decrease after reorganisation which is phased in gradually- so a year on decrease over 3 years- plus a pay freeze for 2 yrs being in public sector and job itself is not one in...

What is worrying too is that in September 2011 my middle daughter is going to university in London ( business)-and the following year my youngest to do nursing at university so this is a longer term issue.Not usre how all this would be factored in. I don't obviously want to take on something that is...

I did trawl previous posts on the forum and found a similar post some time ago which Melanie Giles replied to- there seems to be some variation in how this is viewed. No - you will be allowed to include her housekeeping, clothing and utility costs, but it would be sensible for her to get a part-time...

Am just looking into an IVA with a proposal being put together for me. Family of 4- daughter 29 ( living at home doing a degree locally), 17 yr old and a 15 yr old. Have been told I can't claim for food for daughter as she is not a dependant and would be expected to be working to pay her own way . A...

Probably similar to post I am in- nothing substantially more

How would a secondment be treated in an IVA? would it be overtime- hence keep first 10% then 50 % spilt- IVA and keep other half, would it be a straight 50% split or does whole of any extra income go 100% into the IVA? There is an opportunity to apply for a secodnment for a few months ( higher salar...

Message Preview - few questions Hi been looking at the site for a while now and just getting documentation together for an IVA. Am completing paperwork. My children go by bus to school/ college soem 5/6 miles away. Cheapest way is buying a megarider- £8.50 each a week- over 39 weeks ( school year). ...