Hi Ang

Yep you right!!! It is ok if you are english.... I have my full family in Italy... And it would be a nightmare not see them for 5 years....

God!! 3 yrs, I really wish I was in a 3 years.... I really want to stay positive about it.... All I wanted was a debt consolidation.. and I have been offered an IVA.. They made it sound so good at the start... But again.. I am thinking.. It wasn't all that bad having 4c/c and a loan... I really thin...

Maybe I am being too paranoid.. and I am having panic attacks.... constantly... I am not sleeping at night... and I have so many questions I should have asked.. Before signing anything... I mean...

I know it is a bit too late now.... I have to learn to go with the flow!!!

Well!! that's true!!!

I just asked as i am having some doubts about all this.... I feel like in a big BIG BRO'S REGIME...

poso

Just a simple question....

Can I go on holiday while on an IVA?....

thanks

POSO

this is what came to my mind only yesterday....

If by any luck I get £15000 from an uncle in New York or I inherit a house in another country.... what happens then?....

GOD!!! You need to be lucky though.....[:o)]

Hi there I have a private pension through work and I was told that probably I had to stop the payments towards it.... I have been lucky though... I was also told that it depends of how much you are paying into your pension.. The company I work for pays quite good part of it... I give £20 at the end ...

Hi Ang

thanks for all your suggestions...
Regarding the cover I am not sure, I am a bit scared to jeopardise the trust that i have with my supervisor.... I will have to think about it...

Poso

Hi thanks to all for your support... Just spoke to the IVA team this morning, regarding saving money... They say that yes I can save money, this is only if I save £100 pounds here £50 there, but if I save 100s of pounds every month then they need to see what it is happening with my financial situati...

Hi Ang

thanks for that... I think I have to have a look at my set expenditure and take it from there...

Poso

Correct!!!

I am putting my head straight now after (it seems) a lifetime always worring about debts... I thought once my IVA would be accepted could get on and try to save some money for the future.....

HI there
I think you are right... I should clarify this asap...
I feel relived thought that I am not connected directly with those vultures anymore...

Poso

Yes I have!!..

I don't get paid for overtime but I do get a yearly bonus... which I am aware to share with the IVA...


Poso

Thanks Andy...
I didn't speak to my supervisor but the first person who grabbed the phone....

Maybe you are right...

Poso

Let's say for the sake of argument... If I save £100 this month... and £50 goes out to being added to my repayment... and save £100 the following month obviously I will have £150... on my account saved... then I should give £75 to the IVA and so on???... Does this make sense?... this is what I don't...