One more question if I may with regard to my first annual review today - how will I be contacted to know if I will have increase in contribution (not heard anything yet). Does my IP send a letter or call me - sorry but not sure.

Hi Everyone Just to say my first Annual Review is today but my IP has only asked for my last pay slip and income and expenditure form filled in which I did and sent off two weeks ago (I have never missed a payment). Is it usual to ask for so little? as I had P60, bank statements, pay slips for 2008 ...

Thank you all for your response, much appreciated.

j.k

Hello Everyone, I have been in my IVA for nearly a year and never missed a payment. My annual review is coming up at end of this month and I have completed income and expenditure and sent back. However, I was made redundant in December last month and working an extra month as goodwill with final sal...

Hi Everyone My first annual review is due January 2009 next year and since my IVA was agreed I received a "one-off" bonus of £750 in February but £500 takehome after tax deduction also my salary was increased monthly by approx. £42.00 after tax. I have read my Chairmans Report (Wilson Philips) but i...

Hi Everyone My first annual review is due Jan/Feb 2009 on my IVA. However, I have received a "one-off" bonus of £500 (after tax) plus my monthly salary increased from Feb this year by an extra £30 a month. Should I declare both of these now or wait until my review. Would appreciate any help. For you...

Thanks Debbi

J.K

Hi Everyone, I have had my IVA agreement ongoing for a couple of months - 1st payment Feb 08 with Wilson Phillips and all seems to be going well. May I ask at annual review meeting do I need to keep all my bank statements from Feb 08 plus all pay slips. Secondly, the following has been agreed on my ...

Optimist 12

Thank you so much for your response back.

Regards

j.k. x

Hi Everyone Despite my IVA being approved by over 75% of my creditors on 28 Jan 08, I am still receiving letters/phone calls from a Company EOS on behalf of Freemans Plc (I owe just over £220). I explained to them my IVA was approved. However, Freemans did not bother to vote on the day. I have sent ...

Andy

Sorry for delay in responding back to you. My IP is Wilson Phillips.

J.K.

Hi Everyone, My IVA was approved on 28th January this year. However, the day before Christmas Eve I was informed by my company that my salary would be going up i.e. take home pay was £1177.00 - from January 2008 to take home £1214.00. IVA Proposal shows £1177.00. Will Annual Review Meeting expect 50...

Hi Emma, Thanks for your feedback. I opened three months ago a basic bank account with Halifax which is working fine. I had a current bank account for years with HSBC but had to change to Halifax due to HSBC being one of my creditors in IVA agreement. I think that I may have trouble if I only have a...

When the IVA Annual Review takes place, do you have to show how much you have in your savings accounts i.e contingency money saved each month for emergencies i.e. car etc.

Thanks everyone for your congratulations, much appreciated.

I would like to put my contingency funds (e.g. dentist)into a savings fund on a monthly basis. Please could you kindly recommend any scheme.

Many thanks

Jeanette aka j.k xx