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by emma_t
Mon Mar 16, 2009 9:04 am
Forum: Ask IVA Forum and Industry experts
Topic: Creditors Meeting Pt 2!!
Replies: 9
Views: 1646

Everything Crossed for you, it must be an agonising wait[:)]
by emma_t
Sun Mar 15, 2009 9:08 pm
Forum: Ask IVA Forum and Industry experts
Topic: FFriends meeting
Replies: 22
Views: 2779

I have been speaking to admin re Frugal Friends as I love the meetings and I am sure its all being discussed behind the scenes and we will all hear very soon[;)]

Hopefully anyway[:)]
by emma_t
Fri Mar 13, 2009 8:28 am
Forum: Ask IVA Forum and Industry experts
Topic: Thanx
Replies: 7
Views: 1749

Hi Stirling

Not too much longer to wait now[:)]

Have faith in Melanie as I am sure you will be fine, don't forget to let us all know!
by emma_t
Thu Mar 12, 2009 8:59 pm
Forum: Ask IVA Forum and Industry experts
Topic: hi advice need ,i have been on an iva for 7months
Replies: 9
Views: 1424

There is a lot of help out there susey and you can be helped to do a cv from the job centre[:)] There is also speculation about a great many companies being in trouble, but try to put in in perspective as a lot of these will survive. Also if the worst does happen and it does go into administration t...
by emma_t
Thu Mar 12, 2009 8:00 pm
Forum: friends corner
Topic: Home Hair Colour
Replies: 41
Views: 4100

[;)]Won't we all Jan[:D]

And a holiday[8D]

I am already planning what I will do when my iva is completed[:I]
by emma_t
Thu Mar 12, 2009 7:57 pm
Forum: Ask IVA Forum and Industry experts
Topic: hi advice need ,i have been on an iva for 7months
Replies: 9
Views: 1424

Hi susey

What a worrying time for you, I hope you get some positive news soon.[:)]

Have a chat with your IP and see what they can do to offer you help or if they can offer a payment break while you look for alternative employment.

When are you expecting to hear news from your employer?
by emma_t
Thu Mar 12, 2009 7:53 pm
Forum: Ask IVA Forum and Industry experts
Topic: will an iva effect my business
Replies: 4
Views: 1101

Hi and welcome to the forum[:)]

Your IP should be able to advise you relating to your individual business.

As Jan says I think its fine, but check with a professional who knows your circumstances[:)]
by emma_t
Thu Mar 12, 2009 7:49 pm
Forum: friends corner
Topic: Home Hair Colour
Replies: 41
Views: 4100

I am different Julie, I do not enjoy going to the salon and sitting around for ages and I get really bored and then have to pay a fortune at the end [:0] I get on really well with my hairdresser and enjoy a chit chat over the cut, but the whole colour thing bores me, thats why I am so pleased I have...
by emma_t
Thu Mar 12, 2009 7:28 pm
Forum: friends corner
Topic: Home Hair Colour
Replies: 41
Views: 4100

[:0][:0]I have had lots of grey hair for many years [:0][:0][:0] (Obviously very prematurly!![:D][:I]) I used to visit the hair salon every 6 weeks for a tint and cut but found the cost really hard to juggle. I have for the first time ever used a home hair colourant and its FANTASTIC and so easy to ...
by emma_t
Thu Mar 12, 2009 6:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: Annual Review
Replies: 11
Views: 1617

Just shows the power of forum[;)]

Glad you got a quick response to your email and hope you now get review sorted out as it will offer you reassurance[:)]
by emma_t
Thu Mar 12, 2009 6:44 pm
Forum: Ask IVA Forum and Industry experts
Topic: How long Between Proposal and Meeting?
Replies: 9
Views: 1448

Great news Hginger24[:)] At least you have a date now to focus on and hopefully it will all be sorted on that day for you. You can send the letters to your IP, I did not send every single one but if I got one I was worried about or something different from the standard I did send to my IP. Whenever ...
by emma_t
Thu Mar 12, 2009 5:47 pm
Forum: Ask IVA Forum and Industry experts
Topic: complete list of permitted expenses?
Replies: 3
Views: 3399

Hi David and welcome to the forum[:)]

Make sure you include everything and your IP will go through what is acceptable.

Don't forget if you have pets add all the costs involved with that including insurance.

I made a complete list of every penny I spent and most was allowed.

Good Luck
by emma_t
Thu Mar 12, 2009 5:26 pm
Forum: Ask IVA Forum and Industry experts
Topic: contingency
Replies: 46
Views: 5773

Hi jessicarabbitgirl Why not ask your company for a 'float'. I have one (although its not nearly enough!!) I have just put in expenses of £1400 for 2 weeks and I have float of £500[:0][:0]. It is not enough by far but it is a help!! They don't offer them at my company, but when I asked HR they were ...
by emma_t
Wed Mar 11, 2009 8:54 pm
Forum: Ask IVA Forum and Industry experts
Topic: contingency
Replies: 46
Views: 5773

Hi floridaholiday I think everyone else has answered your post[:)] I just wanted to add that as a single person with no children an iva is hard enough, but I really take my hat off to all the parents out there in an iva as it must be 100 times harder. Children do not understand the situation and con...
by emma_t
Wed Mar 11, 2009 8:49 pm
Forum: Ask IVA Forum and Industry experts
Topic: RESULT!!!
Replies: 10
Views: 1362

Great news[:D][:D]

Must be the forum effect that had your companies ear's burning[:D]
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