I would just like to thank everyone for their replies. I work nights so that's why I post late. You have given me some great advice, and made me more determined to get over this. Brassic, I earn £32500 and am therefore paying a big chunk into my IVA which is hard but OK as I got into the debt by my ...

Duly signed

Thanks Melanie. My solicitor has told me that she has virtually no chance of succeeding with her claim. The problem I have is where to get £2500 to cover the legal bill whilst I am running a "tight ship" in my IVA. It is so frustrating that I got everything sorted and knew where I was, then this cam...

I have my ex girlfriend after £25000. I have just started an IVA, first payment this week actually. After I had submitted my I&E to my IP to get everything sorted, I was summoned to a court hearing as my ex is trying to claim £25000 under the childrens act to re-house my son as her rented house is o...

Hi. Your partner isn't liable for any of your debt. However, when you complete your Income and Expenditure statement, which determines how much you will pay back, you will have to include your partners income and expenditure if you are living together. In other words, the I & E statement is for your...

Sorry, re-read your question. I thought you meant 1 month not 1 year. Yes payments can change at the annual review if your I & E has changed. Thanks

Hi Carmelo, u working nights also? I have also made just 1 payment into my IVA. I'm no expert and you will get an expert reply on this forum soon. But as far as I understand it, your payments have been set (as per your income & expenditure statement given to your IP)until the 1st Annual Review (in 1...

Thanks for the reply Melanie. I have just one more question if anyone can help. I will get the "normal" cost of living rise in April, if the last few years are anything to go by this will be between 2.5-3%. At the annual review will I have to increase household expenditure by the rate of inflation, ...

Hi. I am new to the forum and have recently had an IVA accepted, due to make the 1st payment at the end of this month. I have a question please. My IVA contribution was calculated quite rightly by utilising my income and also my partner's income together with our joint household expenditure. I don't...