So I've been in my IVA since Feb this year and so far it has not been to bad. I am living to my means and not making any silly mistakes. It won't be long now until my first review and I am getting nervous about it. Mainly because earlier this month I became a Dad. Any spare cash I have had has gone ...

She may argue that all she likes but that wasn't the case and if she takes this to court she will need to prove that. I will keep you posted with what happens next. font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by MelanieGiles She may argue that the m...

As for my IP they have said at present it is nothing more that a threat of legal action. If she does seek legal action that I have to choices. 1- If the money was a loan then they will contact her explain the iva and call another creditors meeting and arrange the payments 2- Stand my ground as it WA...

Afternoon, There is proof that She gave me the money in way of bank transfers over the 6 years but not one payment from my account to hers as it was never mentioned as a loan. Surely if this was seen as a loan she would have asked me to make payments from the moment she lent me the money and not wai...

Now it's just a waiting game for the ex to get legal advice and then see what happens then. My IP said the creditors would likely extend my IVA for a year because of the loss of adding this debt to the IVA but I am hoping this would get thrown out of court before it even gets there! With comments su...

That'y my issue it was never a loan but a gift... She has found out I have moved and am expecting a child and has completely kicked off about it. I have told my IP that I do not agree and tend to go to court if needs be. She advised to go back to her should I lose the case and they will sort it but ...

Afternoon, I did not see this as a loan because it was given to me in bits over the space of 6 years from an ex partner. I had forgotten all about it until today. Should I still contact my IP about this even thou i don't agree with the debt? font size="1" face="Verdana, Arial, Helvetica">quote:<hr h...

So as some of you are aware last week I was approved for my IVA. So after spending the weekend over joyed with this I walk into a mine field today. My ex partner who I was with for 6 years and lived together for 4 years has decided that all off a sudden I owe her 10k. Over our 6 years together she d...

I am pleased to say that after struggling with debts for over 10 years yesterday I was approved an IVA. I have 59 payments to make and I will be debt free for the first time since I was 21 years old. This has been such a massive learning curve for me and I know full well I will never get myself into...

Good Afternoon All, Sorry I have only just had the chance to log on now to let you all know my IVA was approved yesterday morning... YAY So now I have 59 payments until I am debt free. I know full well it is a long way off but it's light at the end of a very long tunnel I have been in for many years...

So tomorrow is the day then! I have a feeling it is going to be a very LONG day.

may I ask how your life has been transformed? font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by esgt1967 Best of luck with your creditors meeting. We are waiting for the results of our first annual review now - our IVA's were approved on 4th January 20...

Thank You all for your kind words... Under a week to go now until my creditors meeting. Starting to feel very nervous about it.

Thank You.... Not long to wait now.... :) font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Robbieboy It's coming up to a year since I was in your position so I know how you are feeling, I wish I could explain the difference that year has made. I feel ...

So after all the advice I've been given from both my IP and the people on this forum I decided to go ahead with my IVA - Yesterday I signed the paper work and sent it back. I received an email today letting me know that my meeting of creditors is on the 13/02/14. Now it's a waiting game... I'm reall...