OH and i know what your going through, he lost his job with immediate effect on the 23 june, no redundancy!. first thing that went through our head was the IVA, second thing that went through our head was the fact that he would NEVER get a job matching that salary. we contacted our provider and gave...

thanks.

I also have first credit hounding me for a debt of £1250, cant wait until they ring again as since my OH change in job and reduction in income we are unable to service his IVA and my DMP resulting in having to go BR. If they want to do it for me it will save the fees!!

Hi skippy, i know you post regularly on here and after all my various trouble OH and I are having to enter BR. I am quite well informed about what we will lose, however after a first attempt at filling in the SOA i read your blog properly, in the expenditure column should i be filling in household e...

you can phone family tax credit and let them know of your new income, that way they can adjust payment now and no nasty surprises next year when they stop the credits to recoup the overpayment.

How are you going to raise the £200 pm when you are out of work, only asking coz hubby and i in same situation?

Have told our IP they have just said wait for a few wage slips, get them in and we shall go from there. think they are hoping that overtime will make up some of the gap, but thats not always around, only there at the mo due to OH covering any shift available and colleagues taking their annual hols. ...

well. after my husbands shock job loss, he managed to go back to a previous company within a week. a few questions though. husbands basic income has dropped by over £500 per month. IVA payment £412 pm. we have been given a payment break of two months to get a few wage slips for our IP. my husbands w...

not sure? might be able to. but basic wage is £500 less pm than the one he just lost. therefore if by some wonderful light he did get old job back IVA will still fail.

No redundancy. started job 11 months ago because better wage/prospects/OT. started on a 6 month probation, had it extended but was told that he wasnt the only one who was getting this. been working stacks of overtime for last 4 weeks. thought everything was OK. 4 weeks before 1 year up, told that te...

thank you for kind thoughts. have informed IP and are going to citizens advice tomorrow. no doubt at all that IVA is going to fail (despite the fact we wanted it to work so much, can only look good in bankruptcy proceedings) doubt that we will be able to get a payment break on mortgage as even if OH...

thank you soulgrowth. already sent email to IP. I was thinking of phoning Paul Johns (heard he is very good) but with only £1K coming in a month between us all, i really cannot afford to pay anything. Got our names onto all local lettings list via internet as soon as we heard coz there is no way we ...

thank you for link. e mailed IP. what on earth is a 'sticky' ?

can anyone remind me of the link to find IP email address.

thank you. in relation to the tax credits, we didnt get anything other than minimum due to income, but as husband lost job today our salary has been reduced to my £1kpm for family of 4 with all commitments listed above. understand that we may in fact be entitled to some assistance (although that wil...