I've got the proof of posting! not sure how you get the signature. will look at website. Thanks for the replies!

Hi. ive just sent off all my paperwork for my annual review, and recieved a letter today that my IP hasn't recieved it!!! i sent it special delivery too!! so have to wait til monday to speak to them about it:-( im worried as i've sent all this stuff off with all my self employed accounts and bank st...

Thanks for the replies. im with cleardebt. i will ring them today and see what they say!

Hi- Ive got my annual review, and was wondering about the i&e. I have been sent an i&e sheet that my supervisor has already filled in. But i have noticed that some expenditures are not on the list for this year -ie contingency, medical/dental, motor tax, hairdressing, work meals and repairs and serv...

Hi All. Im wondering about why my iva proposal says i have to pay more money for the first, to the fourth month? Is this their nominees and supervisors fee, that im paying before making contributions into the iva?

Thankyou for your replies. Feel bit better now. Just hope the IVA goes through! If it wasnt accepted- What can i do next. Can i apply for another IVA? Dont really want to go bankrupt!

Hi again. I have a question about IVA. I understood that creditors wanted around 20 pence for every pound owed. I got an estimate of around 8 pence per pound. Is this right. It sounds quite low. Im a self employed sole trader.I dont want to apply for an IVA, and get rejected. What should i do?

Hi.I have just submitted my tax return for year 2010-2011. and im not going to be able to pay the whole amount due for jan 2012.I am going to apply for a self employed IVA.Can i include this in my IVA? Also im falling behind with payments for credit cards, and have had debt collection agencies sendi...

Hello everyone. I've asked for some advice on here before-and got some good advice. So here i am again, with another query!I have a mortgage shortfall of 32k, and some credit cards totalling about 15k.Im thinking of doing an iva. But i thought i would try to get the mortgage shortfall halved, as i'd...

I was wondering what information i need to supply,if im to go ahead with an IVA, as i am self employed. Do i need to show all my accounts over the last 3 years? Does it have to be just my tax return statements showing what my income was, and the tax calculation? Or/And my actual books? Im bit concer...

Hi All- Im self employed and want to do an iva. my total debt is 48k.I rent with my partner. How does an IP work out how much i can afford to pay each month? What paperwork do they need to see? Bit worried, as ive lost some receipts from my business accounts. and need to catch up with my books.got a...

Thanks for the advice everyone! ive looked at my credit file which shows that the mortgage fell into arrears last year, and then obviously, as i said the house got reposessed- but why does it say in jan 2011 that its been settled? because i know there is a shortfall! any ideas please?

hi- im in a bit of a quandry- ive got credit card and bank debts for 15000. but also i had a mortgage with an ex, that was in both our names, which got reposessed last november, and i know for a fact there will be a mortgage shortfall of around 50k,which we'll be liable. However ex is going bankrupt...