Oh my word!! I have friends who are in an iva who have regular car-boot sales to sell their own property, can the IVA take that too? font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Fletch2204 My car was defined as an excluded asset in my IVA, yet whe...

hahah!!! That's what my husband said Mark, but I wouldn't expect them to pay us the money back if the shares had of dropped in value. nice thought though font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Michael Peoples You used your share of bonuses e...

That's what my husband said Mark, although I really wouldn't have expected them to give us our money back if the shares had dropped, haha! font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by winter_blues I have to say and I'm probably a lone voice on thi...

We would havebeen hhappy to pay thrm a percentage, the reasonI feel iit's unfair is that had we not have invested the xreditors would have received nothing at all. We could have simply left the money in the house or bank. We took a risk with our own mone, we sshouldbe able to keep at least a smallam...

just wanted to comment, have been in iva for 3 yrs but only ever been given £23 allowance for pet food/insurance. we have a male boxer weighing 38 kilos! We have tried getting our allowance increased on our expenditure form before to no avail.this time I decided to ring my IP and ask for the amount ...

I bet that is right Micheal, but we have actually now sold the shares, we haven't paid them the profit yet as it hasn't cleared. I felt it was a bit risky spending our savings on shares given our circumstances but thought the risk would be the shares loosing money, not having to pay all profit to IV...

Hi my husband works for royal mail, employees were given priority on the shares.

Hi Michael, unfortunately the shares are not in joint names, just my husbands, but that would have been a good idea, thanks

that's what I thought Andy, 50/50 split would be fair but we did suggest this to no avail. as for the premium bonds lulu, the same would apply, if by any chance we won anything the whole amount would be payable! Unfortunately it seems there is nothing we can do however unfair it may seem. we took a ...

Hi Til, that was my point when speaking to our IP, if we hadn't taken the initiative to save and invest the creditors would have received nothing at all! We do not get overtime either as we receive a salary. our savings are kept in premium bonds again with the hope of winning some money to get us ou...

Thanks Melanie,
never mind, you win some and loose some! at least we still have the original money. We have sold the shares now and will be forwarding the profit to our IP as soon as it clears.
Thanks for all your replies, kind regards, patty

Thanks again to all of you,2 years to go!
kind regards

Hi everyone, thanks for all your comments, I understand what your saying foggy about the windfall and also what your saying Andy about the scratch card scenario. We did buy the shares out of my husbands annual bonus and savings we have made by saving our contingency money, dental and medical money, ...

I thought we should be able to at least some of it but when we asked we were told that the shares are an after aquired asset and we cannot keep any of it! I have spoken to national debtline today and was advised the same. the lady I spoke to at national debtline just kept saying it's not your money....

Hi, We are in an iva, we save our contingency money and my husbands annual bonus. we are always upfront about our savings and his bonus. we recently bought some royal mail shares with our contingency money. the annual review picked up on this and they have said we have to sell the shares and send th...