James,Thanks for clarifying this,i understand what your saying.
If this was correct,why would the letters state that these first 2 cheque payments of £393 would be my first & second payments into the agreement & the s/o for £569 states this would be my third payment into the iva.

Hi,James,thanks for your reply,i may be reading this incorrect but it states that these first two payments were to be my first and second payments into the iva,not a fee.

Kallis,thanks for drawing this to the attention of size 5

Size 5,i have emailed you at your email address

Hi, Just to clarify things,i have dug out paperwork to clarify this situation.All written underneath is taken word for word from my ip as written in the letters. Letter 1 dated 15 november 2005 (7 months before our iva was accepted)."The sooner you return the letter & two cheques for £393 each made ...

Thanks for the speedy replies,we were told by our ip that because we cancelled direct debits etc for creditors that we had the money to start paying into our iva. I remember it very distintively as they insisted on visiting us at our house & insisted on the first monthly payment of £361 in dec 2005 ...

Hi, just a quick question if anyone can help,my iva was accepted June 2006,Obviously with the equity clause we are now in our 6th year,finish june 2012. My question is we started paying our monthly payments Dec 2005 meaning we paid 6 monthly payments before our iva was accepted. Would these 6 additi...

Think i posted this in the wrong section,sorry

Hi,just a quick question if anyone can help,my iva was accepted June 2006,Obviously with the equity clause we are now in our 6th year,finish june 2012. My question is we started paying our monthly payments Dec 2005 meaning we paid 6 monthly payments before our iva was accepted. Would these 6 additio...

Hi Kazzafunk, Yes we have done reviews over the last 5 years,our income has varied over the last 5 years.But we had to pay £500 per mth from the beginning & every year after on our reviews it always showed we could not afford the £500,but our ip always expected the £500 until about 18mths ago when w...

Hi,I will try & put this as easy as possible,we are entering our 6th year now due to not being able to re-mortgage. My proposal states "in addition to my contributions i will pay 50% of any overtime,commission,bonus or any other additional payments received over & above that allready provided for in...

Hi all,
Im filling in my latest I&E and always struggle with the sundries box.
Can anyone advise me of what costs should go into this amount.
Im presuming things like prescriptions,glasses,dentist go into this but where can i find out exactly what i should include in this.
Many Thanks

Hi,We have just gone through this situation & our IP didnt ask for proof as they said they could look online & get a rough idea of our house price.I dreaded doing this but didnt have to in the end,I gave my IP a rough estimate & they looked online & concurred at that price.My Ip didnt even ask about...

Im in pharmeceuticals,Make prescription drugs & possibly made the cold & flu tablets or sachet drinks that you have all taken at one time or another.

ACCEPTED,sorry for shouting,Thanks to everyone for their input & a individual big thanks to size 5 for his input.Even with the 12 mth extension there is an end in sight.Many thanks for everyones help & best wishes.

Hope you will all keep everything crossed for us today,we are into our 5th year but because we cannot re mortgage we are hoping for a 12mth extension to our IVA.Variation meeting at noon.

WOW,would like to personally thank size5 for his extremely quick input into are concerns,everything now sorted & our variation meeting now set for Sept,how valuble is this site.Many thanks