thanks for your support guys

Thanks Melanie, I didnt want to miss you before you went to bed![:)] I do appreciate the help and support im getting from everybody. it wouldnt be a case of deliberately having the huge increase in rent, id be moving from a small town in to New York... the increase in salary would be indicative of t...

Thanks lesley, i did mention it one of melanie's team today as it is all ifs and buts she had to take details as they stand now (understandable) however there is a real chance that I will get to move and land this amazing job in the coming months. BOL's comments have scared me a little about proceed...

thanks BOL, Melanie if you are online tonight it would interesting to hear your thoughts

I am really getting my money's worth on this forum. lol I am in the process of proposing an IVA and have filled in my I&E. However, I am planning to relocate in the next 6 months. If all goes well, I will have an additional income of at least 600, but my rent will swallow the majority if not all of ...

thanks skippy, thats interesting. so in theory if my 3 smallest creditors were the only one's to show up and voted yes the others would have to accpet

if all the creditors who vote, vote yes, but they only constitute say 50% of the debt.

The other 50% dont vote either way, is the IVA rejected then?

is it possible to end up paying more on an iva than you currently owe? e.g. if your disposable income increases radically? Or is the amount capped at how much is owed to the creditors at the start of the iva

thanks again melanie, i am speaking to your team again tomorrow and start the ball rolling

thanks again lesley and melanie. I definitely think an IVA is right for me now as im struggling with debts of nearly 60K. I'm currently working in the US, but a UK citizen/resident, does that make much difference? Also, can someone explain the MBNA 10 year rule to me? I have approx 9k of debt with t...

Thanks Lesley, im dealing with mealnie giles team so will ask on my next call, just trying to clear some doubts this evening.

My other concern would be about change of circumstances, Im moving in with my fiance, does her income then have to be included? And does it change again when we are married?

Hi guys, new to the board and will therefore probably be posting lots of questions... Appreciate any and all help. Are you allowed to save on an IVA and then use the savings to eventually do a full and final payment? Also, I have been reading posts about windfalls etc, is there a difference to a fam...

thanks Kallis

are they regarded as one creditor or 2? also over 25% of my debt is with halifax, are they a difficult company when proposing an iva?