I’ve had an update. The call from my IP took place without the knowledge of my RM, as I suspected. He’s looked into it, and what it comes down to is an annual report that has to be submitted to my creditor. I wasn’t aware that there was an annual report – I thought there was a review every six month...

Thanks for your response. Very helpful, and pretty much what I’m thinking too. I’ve not heard back from my RM yet so I don’t know what he’s been able to find out. I have received a letter confirming the payment increase, which comes into effect at the end of next month. My RM has always been extreme...

I’d appreciate any thoughts anyone might be able to offer on what appears to be a shifting of the goalposts on my IVA. A few months ago I took on a second job. It’s at a pub I used to work at part-time and they asked me if I’d like to come back for a bit, so I said yes. It’s generally on an ‘as and ...

Thanks for providing further clarification, Sarah. Much appreciated. It looks very much like a standard letter, but if there are several different letters, I'm glad you've made that clear - I wouldn't want to be responsible for misleading anyone. And I echo Foggy's sentiment - I'm glad Freeman Jones...

A year or so ago I started this topic, and as you can see other members had had somewhat different experiences and there were a variety of opinions on who gets what, how much you do/don’t get to keep, differing attitudes of IPs etc. Yesterday I received a letter from my IP (Freeman Jones in Manchest...

A year or so ago I posted elsewhere on this forum about my own PPI claims and how my having an IVA affected them. Other members had had somewhat different experiences and there were a variety of opinions on who gets what, how much you do/don’t get to keep, differing attitudes of IPs etc. Yesterday I...

I can relate to that 100%! I'm in credit most of the time, and if I slip into my overdraft it's by a very minimal amount and only if it's completely unavoidable. But I do like to check my book even if there's nothing to enter in it. I've just done it again - it lives next to my laptop on my desk. Sp...

Oh, I learned the hard way! There was a time when I paid little attention to my bank account, if any at all, and got into the classic trap of overdraft fees and bank charges, which is a nigh on impossible situation to get out of once you’re stuck in it. That was a few years ago, and I had a bit of a...

There are some cracking tips here. I particularly like Lesley_’s tip about transferring oddments into a savings account – it was posted nearly two years ago (I only joined this week) but I’m glad it’s there! I’m going to start doing that. For my own money-saving tactics... I cycle to work. This is b...

Hmm... I'll have to check my proposal. I was going to last night but got sidetracked watching The Dark Knight..!

And that's just for starters!

I like your Daily Mail analogy! Another maddening thing about it was that I could also see their point, once I’d thought the whole thing through from an odious corporate perspective. I had to have a long hot shower after that, I can tell you – I felt so dirty! From their perspective, I owed them mon...

Probably! It’s a trait I have..! Good question. The way I see it is that I owe a debt to RBS and it needs to be paid, which I don’t have a problem with at all. But we’re both bound by the rules of the IVA and they haven’t stuck to them. If I did that, the IVA would fail, I’d be liable to pay the deb...

Extremely well put. That’s how it would seem to me. In an ideal scenario, my IP would have enough clout to be able to say to them, “You’ve breached the terms of the IVA to serve your own self-interest, therefore as Administrator of the IVA I declare it void as a result of your conduct and order you ...

Thanks for your responses, everyone. Merlin – Perhaps I should pitch it to a financial publication and get it syndicated, with the fees paying off my balance in full?! That would be handy! I remember when I was in the process of setting up my IVA, and on taking the telephone call from my IP after su...