Hi All, I’m after some advise. I have been offered a promotion at work which will be a £11k payrise however my role will be based in London 3 days a week and the increase is to include my travel. How does that work in a way of an IVA ? I can’t afford to take the the job if I have to hand over half t...

Aww amazing thank you so much Foggy! Just sent you a email.

Thanks both

Thank you, I really feel like I have been given a second chance and feel like I will actually sleep tonight.

Thank you for always putting my mind at ease.

I’ve been approved!!!!
Literally so happy right now.

95% agreed.
£35k total debt paying £150 a month for 5 years, first payment 1st May. Will possibly go up to £220 once I change my childcare payment from bank transfer to Care-4 vouchers.

So tomorrow’s the day..... don’t think I’ve ever felt so nervous!
Will let you know how I get on. Hoping for some good news although right now I would happily take a 6 Iva to get out of this mess!

Thank you Foggy. It’s all new to me and pretty scary! So worried something will go wrong. I can’t go bankrupt due to my job, so iva seems like my only option.

Many thanks for the quick reply!
Just wish my meeting was sooner, I hate the waiting as I’m sure everyone does, finding it hard to stay positive at the moment.
I’m guessing if the IVA is rejected they can not false me down a line of bankruptcy?

<r>Hello, <br/> I’m currently in the process of going through an IVA with the creditors meeting being held on 22nd April.<br/> I’m panicking so much I won’t be accepted. I’ve got a shameful £35k debt, with my IVA supervisor putting forward a plan of £150 a month for the next 5 years. <br/> I’ve been...