On paper it says I do a 40 hour week - well that's a joke. It apparently works out as 40 hrs each week in a month - but it is always an absolute minimum of 6, 7, 8 and even 10 shifts in a row and it drives me mad. We also have daft shift turnovers where you do several night shifts on to a 6pm start ...

Hi Sorry I have another question. This is because I have just been sat holding my 6 month old baby god daugther and I just can't help thinking about babies!! My question is, as stated above, we made it clear to our IP that we wanted a family and at our ages it may happen in this five year period, we...

Hi Andy Thanks for that - just had another thought. A close friend of mine has just returned from maternity leave (baby 9 months old) and has found out she is 3 months pregnant (not planned - a complete accident). This made me think about my situation. If it was agreed to extend the IVA for one furt...

Sorry also meant to add at the end that I hope I haven't offended anyone with my comments - it's just I've previously been told I shouldn't put having a baby on hold - but just can't see how it can happen and can't help thinking about it!
Kit

I read comments relating to pregnancy and babies with interest, because me and my partner have decided unless an accident happens we will probably wait until after the IVA before we have kids. A lot of the comments say 'Can you still make the same contributions?' and 'It is normally preferable that ...

Thanks for your comments.
Kit

I understand you need a minimum of 10-15% deposit for a mortgage if you are connected to an IVA, and have a question:- Does this figure apply in the following situations or is the minimum requirement higher or lower: a) You are still in the IVA and your IP allows you to look at purchasing your own h...

Hi
Would an IP require some kind of evidence that you are offering a payment as a full and final settlement with a ‘gift’ (that you will repay as a loan from a relative) and that it isn’t an inheritance for example?
Thanks, Kit

Hi I didn't read MOFR's message like Kerri did. When my partner and I finish our IVA in 4 yrs time, after the 1 'clear' year whilst it still remains on your credit file, we also plan to try to get a credit card to start to rebuild our credit file - as we have been advised that 'NO' history on our cr...

This may seem a daft question, but does the amount you owe to a company affect the amount they want back in the pence? I ask this because I have been reading various comments about Northern Rock - who are annoyingly our biggest creditor. We have been in our IVA for one year, paying off approximately...

Hi I read the comments in the Forum with interest, and realise things may not be quite as straightforward as I thought. My partner and I are 1 yr in to our IVA. We pay just over a thousand pounds a month into our IVA, which our Supervisor was very happy with and commented that our creditors 'obvious...