brilliant thank you, I'm just excited its been a long 5 years. Do you by any chance know what's involved in a final review? As my IVA ends in July i'm not sure if i'd have one or not

ok so i've been told if she puts in an offer for 800pounds (total left) it would be rejected because they'd take 500 which would only leave 300 and my creditors would say no.

However it sounds like thats the wrong information?

I'm due a large payrise of around 9thousand pounds and i have a few questions. Obv i know it has to go into my IVA but do my allowances increase? I've been moved into a management position and need new clothes, shoes etc. But my budgets overall are so low i cant afford for example to replace my bed ...

Thanks so much for the advise I'm not so worried now

Do I need to mention it at my next review?
As I said we won't be living together because we cannot split the bills based on that salary every month and I imagine it'll start to get really complicated if she can't pay reasonable board

Thanks for the reply, were actually not going to be living together until my iva has finished in 2017 as she's on a very very low income (800) a month. I rent a flat at the minute and all bills are in my name would that change anything?

My partner and I would like to get married this year I just wondered what effect it would have on my iva

I will but I genuinely need a new bed and as ive mentioned in another post my laptop broke & I need one for work. What's the best way to put this to my IP?

Hiya

Was originally told that during my IVA I could still get credit of up to 500. Is this true? I need to get a few new bits for my flat as the old are falling apart. Can I use the 500 or take a payment break to pay for it?

thank you all so much for the help

They'll cover some of the costs but not all. I'll speak to my IP once the increase has been signed off and see what they say.

I wont let the IVA fail,

As I’ve said it’s not that I’m unhappy with paying money out, my promotion has an effect on my IVA given that now I’m expected to by suits, a laptop and fly to our offices around the world I need the extra money for those reasons. it's not a case of me being unhappy or wanting to default on my IVA i...

Ah i see thank you for the reply, during my inital call with Payplan only two options we're covered an IVA or Bankruptcy.

I do want the option to have more of my money per month. I've been paying 120 a month for the last few so i'll tally my ins/outs again.

thanks everyone for the feedback. My IVA is run by pay plan plus it's for 5 years currently coming to the end of my first year. Been reading up over the last few days and someone mentioned as my total debt is just under 10 thousand that i should move to a debt management plan? As I’d have more flexi...

Not the new person I'm dealing with but we're due to do our yearly review soon.

I had mentioned it to the original person i dealt with and he said it was fine, as long as the value doesn't go over 500