Hi all. I'm currently going into my second year of my IVA. I do have something that is in the back of my mind. Both me and my partner (who is also in an IVA) took out a joint loan with Halifax for £10,000. We are currently paying this back to our IVA, but on our list of debts it says that I have £10...

Thank you everyone

Me and my partner are thinking of having a mini holiday in the UK and would like to hire a car. Has anyone had any problems hiring a car in an IVA. Do they do credit checks?

Hi all, Sorry if you've already answered this before. I went into Halifax this morning to pay a cheque into my ISA savings account. The lady said that she wasn't even sure that I am allowed to have an account as I'm in an 'agreement'. She told me to go to the service desk, but I didn't have time to ...

Oh! Thought it was worth asking anyway! X

Yeah that's what I thought, just wondered on the possibility of keeping it all with having no payrise, cost of living etc

Hi everyone,
I am in the second month of my IVa and due to get a bonus at work. This is one weeks wages. It's because I will not be getting a payrise and is a 'one off". I know I will have to declare this, but what's the chances I can keep it all?? Thanksm

I never want credit again! If I get any when my IVA is completed mine too will be going in the bin!

It's actually been offered to me by payplan.

I was just wondering if anyone has cover for their IVA. The one I have been offered is £38 and covers for sickness, redundancy etc. £38 is between me and my partner. What I'm wondering is how does that work as we hadn't included £38 in our expenditure.

Hi Neil, I think you were relating to my post. We had not really had any demanding calls from payday loan companies prior to our IVA. We told them our ref number and told them to contact payplan. They were all reasonable. Now Quidmarket are claiming that they are not aware were in IVA and said they ...

We have a few between me and my partner but the one in question is Quid Market. Not one of them bothered to vote.

Thanks everyone. Just spoken to my IP. Looks like they didn't bother to vote, she said it takes 4-6 weeks to filter down to all the creditors notifing that we are in an IVA but they are going to send them a letter.

My partner had a phone call from a pay day loan company who he owes money to. They were in his list of creditors and our IVA was approved last month. They have now told my partner that they are going to apply for a CCJ and get money taken directly out of his wages if he doesn't pay or make offer of ...

I am with Payplan and my IVA got a yes on Thursday. In the paperwork it did say that they required the payment on the day. We just rang them up and explained that we don't get paid until the end of the month. They were fine and said they are going to send the standing order forms to us to pay on the...