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by carl.s
Mon Mar 09, 2009 9:53 pm
Forum: Ask IVA Forum and Industry experts
Topic: 29 months into my iva
Replies: 2
Views: 885

29 months into my iva and my recently ex girlfriends is pregnant, are CSA payments going to effect my iva?
by carl.s
Tue Jun 03, 2008 7:45 pm
Forum: postings for june
Topic: woo hoo!
Replies: 9
Views: 1624

one third of the way into my IVA, how good does it feel to say it like that![:D][:D][:D][:D][:D][:D][:D][:D][:D][:D][:D][:D][:D][:D][:D]
by carl.s
Tue Jun 03, 2008 7:11 pm
Forum: friends corner
Topic: Missing Payments...
Replies: 6
Views: 1505

My head was so far west with worries about my debt and other issues in my life i didn't pay any credit card bills for over 8 months before i even inquired about my IVA which took a couple of months to sort. I don't think this is the best advise to people but i just ignored calls and letters so it di...
by carl.s
Tue Mar 25, 2008 3:53 pm
Forum: postings for april
Topic: Life after an IVA
Replies: 32
Views: 4956

i used to love sunday morning, NO POST to hide from! its amazing how your life turns around once in an IVA,the weight off your shoulders. credit should be banned to all people under 21 so you can used to living on your income without the glossy, dreamy credit cards tempting you. If i'd started my li...
by carl.s
Tue Mar 25, 2008 3:43 pm
Forum: postings for march
Topic: changes?
Replies: 8
Views: 1565

thanks again chris and andy, i have a lot to think about i guess..
by carl.s
Tue Mar 25, 2008 1:48 pm
Forum: postings for march
Topic: changes?
Replies: 8
Views: 1565

thanks chris.g so how does the world view you after an IVA and BR? is there any difference to your future credit rating or anything like that? honestly i'd like to keep with the IVA, its my mess and i need to sort it, but this last month seeing all my bills go up i'm not sure i can carry on, when al...
by carl.s
Tue Mar 25, 2008 12:26 pm
Forum: postings for march
Topic: changes?
Replies: 8
Views: 1565

so what the difference between br and an iva?
its a bit unclear to me
by carl.s
Tue Mar 25, 2008 10:47 am
Forum: postings for march
Topic: changes?
Replies: 8
Views: 1565

hiya, I`m now 18 months into my IVA and i`m paying £220 a month, which has been affordable, i have no assets.My Iva was set up when i was with my partner so all bills were half but she left me last month and now all my bills have suddenly doubled although heating and electric bills are not as high a...
by carl.s
Sun Mar 16, 2008 9:33 pm
Forum: postings for march
Topic: a company who suggest i should go bankrupt
Replies: 3
Views: 1117

I have been contacted by someone called the IVA council suggesting i was mis sold my iva because iva's are intended for people who wish to protect assets i.e. house, business. Is this the case? i have none of these and they out me in touch with a company who suggest i should go bankrupt. I'va been i...
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