I thought as much, it gets withdrawn to my paypal account and essentially an IVA wouldn't know about it? But I thought it falls within any windfall clauses I have (£500)

No I'm still in my IVA

Hi all!

Quick question, I've used topcashback to upgrade my phone contract, as well as a few other purchases over the year and I'll eventually accumulate around £150 on the account, is that mine to do with as I please or do I have to declare it?

I've not long had mine approved and I was such a nervous wreck from the first to last phone call, you never think you'll get approved. I'm around 32p/£ so trust me your offer is very good, but like other posts even as long as like 15p/£ gets accepted as it's still better than bankruptcy so honestly ...

Is it different if it's both of us looking to rent somewhere? I imagine I wouldn't pass a credit check now so trying to steer away from regular estate agents and go privately like openrent and stuff but I wondered if the same principles would apply if I told them I was changing address and everythin...

How much would you tell the IP? I mean I'd have to say I'm changing address but do I just say I'm lodging with a friend and I'm paying X amount?

Thank you, I think that'd be for the easiest solution in terms of managing the money and keeping things seperate. When it comes to things like council tax as she'd have to declare that I live there, would that link us financially? Or would she just say someone else lives there, this is their name he...

I have a question regarding moving in / renting somewhere with a partner. Currently I live with my parents so I don't have things like utility bills included on my IVA as it's all covered in my rent. How does it work when moving in with a partner, if it's her place and I'm just moving in can I give ...

I could apply for an account online it seems quite easy these days, my question is that if I saved what extra I earned over the course of a couple of years and say I had £2000 in there, wouldn’t my IP want that paid into the IVA due to having visibility of it being my account? I appreciate all the h...

Brilliant news - really pleased for you! I would certainly put this to one side as a contingency fund. Thank you! :) Would you withdraw it? Im due a bonus in August of maybe £1800, i understand tje 10% 50/50 as thats what my clause is as i ahd overtime paid today but luckily i didnt have to pay any...

It got approved! Very happy as I felt so sick this morning being anxious waiting for that phone to ring. Slight modification which I can deal with but all in all happy! They just said don't worry about the four weekly thing, they said any major issues will flag up at a yearly review but currently th...

It should already be detailed in your proposal - you would have had to complete and include an I&E form and they would have had to calculate your contributions and disclose how often you were proposing to pay them... Well I can’t remember if I told the referrer or the IP, it was mentioned before bu...

Spoken with my IP who said it shouldn't be a problem but they've put a note on the system mentioning it anyway so that it's on record for the meeting tomorrow and things like that, it's put my mind at rest. He also said that my creditors are mostly from major companies and I shouldn't have an issue ...

Hi all, I get paid every four weeks by my employer, which means that I get 13 pay days a year, usually around Christmas time I get 2 pay days, one at the beginning of the month and one at the end, usually it's a freebie for some of the big bills that come out on the first which was budgeted for the ...

Another random question and I do apologise for it. In the IVA proposal my car is listed as an asset that needs to be left out as I need it for work and all that which is fairly regular, my question is what happens if I want to change the car? For example I sell that car and buy a different one of s...