Thanks to you all for your support and advice.

Clare

Well, I told them that I had sought some advice and would it possible to extend the term of the IVA to cover the arrears. I was told that if I put that proposal in writing to our supervisor, they would look at it, but I need to do it a.s.a.p! (Letter already written and on its' way to the post offic...

You assumed correct! Yes, I was a student nurse but have been unable to find a job - no surprise there, given the current state of the NHS! I think I might give them a call now about extending the IVA and see what reply I get. Fingers crossed.

Clare

Hi Ian,

Yes, that's right even though they knew when we put the IVA together that my course would be finishing! I don't know where to go from here so any suggestions would be much appreciated.

Clare

Hello Ian,

The arrears accrued because my university course ended so I was no longer receiving a bursary. Therefore, payments had to reduce from 750.00 to 207.00. We looked at our I & E and proposed to increase to 546.00.

Clare

Thank you Andy. When I spoke to them this afternoon, they said that we needed to clear the arrears which were just over three thousand in January. I don't know where we are supposed to find the money for that, hence the reason the contributions had to go down in the first place. Feel thoroughly fed ...

I am hoping that things turned out well for you too. Let us know.

Regards

Hi all, Have just received a letter from DFD to say that 'due to the level of arrears on our account, our IVA is no longer viable.' I have therefore contacted them and was unhappy with their unhelpful attitude. I submitted a letter in December 2007 to say that we could increase our payments to 546.0...

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Hello NotSoBrightSpark, I myself am a new member, only having joined yesterday but wanted to welcome you anyway. I would just like to say that you have absolutely done the right thing by joining this forum as the support and advice you will receive from the experts and other members will be invaluab...

You must be really pleased. Well done!!

Thank you to you all for your replies. I will definately ring my local trust and enquire about the bank situation at the hospital. I know that when I qualified last year, we were told we couldn't join the hospital bank until we had completed our six month preceptorship. How are we supposed to do thi...

Hello & Welcome,

I am totally naive about this subject but just wanted to say hi.

I am sure an expert will post soon and assist you.

Regards
Clare

Thank you Mrs S and Melanie. I only wish that we had been told about a DMP in the beginning. Yes, I am naive but I had little knowledge of what one was and hadn't even considered it as an option because we 'gently pushed' down the IVA route. Not that this was a bad thing at the time because it seeme...

Hi everyone, Having been a 'silent observer' for the last few months, I would just like to say that I am truly amazed by the advice and support you give to people who are going through the hell of clearing their debts. I hope that you all feel very proud of yourselves for giving such inbiased and in...