Thank you
I'll let them know and I have deleted the card off PayPal! I didn't realise it was still on there as I don't use it very often!!

At long last my IVA has been approved!! Its only taken since October!! I have a yearly subscription to an app on my phone however and it's renewed and taken the money from my credit card that was still linked to my paypal! What do I do as it approved the payment despite the account showing as closed...

Thanks all I have just written out a new budget with my new rent and council tax amount on and I have reduced costs where able to cover the increase. Iv drafted an email to my IP detailing the changes and told her I don't want to go ahead until these changes are put into my proposal may as well star...

The proposal has already been dragged, I'll update them regarding my address when I move but it won't be until the new year now and at this moment in time I don't even know what the rent will be but I have no choice but to move! I think it will maybe be £50 more then an extra £30 for the change in c...

Hi everyone So my proposal is done after such a long wait!! Had some more questions put on me today which I thought was weird as the proposal is done! Anyway did what they needed so hope it will now be posted! Next problem is I have a damp problem in my current house (mould etc so not safe for my so...

I agree I first spoke to them nearly 2 months ago and were only just at the drafting stage!

Hi sorry me again!!! Iv had a call for a few more bits of info today and was told everything will now go to the drafter who will draft my proposal. Does this mean I have given them all the info they needed or is the drafter still likely to ring asking about things all over again? I was worried about...

I'm worried about doing that just because in my IVA paperwork it's says I MUST offer them something! Plus I have already been having calls regarding the hold ending on the accounts and they haven't even ended yet!

I'm ringing all my debtors tomorrow to make them aware of it as the holds on my accounts are going to end soon, what do I say then do I offer them money? I just don't know how to go about saying it!!

Everything will be in by middle of next week as I won't have my latest wage slip until Monday!
I really hope it is sorted before Christmas!

*drafted

Thank you all, I have been told it will be a few weeks for the proposal to be dragged once they have this months wage slip (as my wages are increasing) basically they said i won't be in the IVA until new year now. I'll call step change and find out what's happening and what I can do in the meantime....

I cancelled all DD and rang and had 30day holds put on all my accounts. I'm just stuck now what I say when I call them all up again! Iv never been so stressed!

Yeah I stayed with step change, I have posted things to them but am waiting on my November wage slip as I have changed my hours so nothing is being drawn up until then. The letter said I was to offer a percentage of my surplus in the interim but it seem alike such a low amount for each I don't expec...

Iv just sent all my documents off to my IVA advisor, but I now need to come up with some offers for my debtors as the holds are almost up, now I had a sheet of paper with workings out on from my advisor telling me how to work out the % of the surplus for each so I knew what to offer in the interim. ...