I've got a 1 month old IVA if anyone wants to swap for an older model (about 59 months would be good!!!)[:D][:D]

Your credit rating would probably have been pants anyway, hence having to get an IVA, so I wouldn't worry too much!!!! After your 5/6 years is up, it'll start getting better, so look forward to the future debt free!

Good luck for tomorrow! Iknow we don't have the same creditors, but my hubby's was 22p/£ in the proposal, but once the meeting came along, with the true "costs" for IVA, it actually went up to 30p/£ as the IP had estimated over the odds for charges, so this could happpen to you too, putting you in a...

One thought - at least you can't run up more debt by paying for everything repairing at once by putting it on your credit card!!!!
Got to look on the bright side sometimes!

Great news can't wait to be in the same position! We have to get ours in month 54, but our IVA was only accepted 2 weeks ago so yours may be different - are you sure it shouldn't have been done in month 40? Which seemed to be the norm at one point from what I can gather reading this forum. Check you...

Great new BOT! Here's to a debt free future!

Phew!! Thanks Melanie. Thought I'd be starting my sleepless nights again!![|)]

What'll happen if IP doesn't put it on? Will we be in trouble or the IP or nobody?

I've searched all courts plus our names but nothing there. Hope this doesn't mean we really haven't been approved and it's all been one long dream!!!![:D] I'll just keep looking - you never know we may get lucky and slip thru the net. Doubt it[:o)]

Does anyone know how long after IVA approved your name 'goes in lights' ie gets put onto the insolvency register? My creditors meeting was 2 weeks ago but still not on (not that I want it to be lol)

I received the same letter yesterday. Didn't think there was anything to worry about in it as it does say they will now be dealing with IP. Only thing I thought was odd is the amount they say is o/s - it's nearly £200 less than they claimed at creditors meeting!!!!!! What happens about that? Do I ne...

Does anyone know why this thread is linked under postbag 2007 for august???

[:)] Good question and we have no idea why it was posted there..
now moved,
cheers admin

Morning bot. Glad you had a good night last night - it's usually the unplanned cheap nights that are the best!! Know what you mean about things looking dirty in the sun - my windows are disgusting!! It's a wonder I can see the sun through them lol[:D] I'm off on my weekly supermarket bargain hunt no...

Well done - really pleased for you! Here's to a debt free future! [:D]

Hi I spoke to our IP about this yesterday and they see it as hubby takes home £2053 p/m, can then earn £205 p/m o/t then anything over that gets split 50/50. Hope this helps. They said we can send it monthlyn with our usual payment, or send it quarterly - which is what I will do cos then it's earnin...