Hi, thanks for your replies. Melanie I am only a year into my IVA and currently pay £300 per month, i have just spoken to a lovely case manager in the company and they are arranging for someone to call me back as they agree my contributions need reviewed, feeling a bit better now. I know you are all...

Hi All, I am filling out my I&E form and Im confused as to how I show what I pay for my home heating oil, I dont pay by direct debit, we have to pay before they deliver, so say I get 3 fills a year at £282 a fill do i add the 3 totals up and divide by twelve? and how would i show evidence that the p...

Hi All, Is this possible to do and what would anyones thoughts be on this? I really am struggling at the minute and its making me so very unhappy and stressed. My IP has left the company i am with and i am awaiting a new one being allocated to me, so just thought I would ask some advice from you guy...

Thank you all so much for your replies, they have made me feel so much better, although Im struggling now with things at least I know that in four years time as you say lem there is an endpoint to our debt problems and we will be able to plan holidays and nights out all from our own money and not fr...

Thanks lem, christmas is also worrying me already too, i was in IVA last christmas we got through it but it was hard going, anyways I just keep telling myself one year is over already and to be honest it has gone it quite fast, I know we shouldnt be wishing our lives away but i am just hoping the ne...

Thanks ginger3232 some days are worse than others, I guess today is just one of them.

Hi All, We have been asked out on a good few occassions now and we have always declined, im sure our friends are wondering what the hell is wrong with us that we always refuse to go out or to go away on trips with them, also the family (in laws) wanted everyone to go away on a family holiday and alt...

Hi, i have to send in everthing by start of next week so i am panicing a bit will have a look through my bank statements to see if i have any petrol transactions on there but i doubt it as i usually pay with cash, same with food.

Anyways thanks for your replys.

Kitty

Hi All, I am really struggling trying to fill out my income & expenditure form for my first annual review, any advice would be greatly appreciated, I know I posted this before but dont seem to be getting very far with it, just spoke with my IP and they have said you have to show receipts for the lik...

Hi Lyns,

Thanks im with Freeman Jones

Kitty x

Hi All, Its coming up to my annual review, I cannot believe a year has gone by already, albeit its been very tough going, anyway in the letter I have been sent it says you must provide evidence of any change of income which is fine but it says you must show evidence of any changes in your expenditur...

Hi All,

my washing machine is playing me up something rotten, tried to get it fixed but no use, was just wondering are you aloud to buy something and pay it over 12 months or is this completely not aloud in an IVA

Thanks

Hi Lesley,

Thanks for your reply yes i did speak with IP but they said my payments in my IVA are fixed for the 60 months so i take it that means they cannot be reduced.

Kitty

Hi All, Been a while since I have posted, things have been a real struggle these past 9 months. My mortgage deal is coming to an end soon and was just wondering how everyone else got on when it came to getting a new deal on your mortgage, where you able to stay with your current lender? Thanks Kitty

Hi all, i just tried to place an order for home heating oil, the company i use usually gives you 10 days to pay. When I rang they said that my account now says no credit to be give as im in an IVA, they said this was published in a gazette, i thought that it was never published that you where in an ...