We have 1571 answerphone which is now full and i will not delete the messages as that will stop further ones being left. Mercers seem to be the worse, so now i am ignoring them. Luckliy all my creditors have an old work number which is unobtainable. Have had a text and about 4 calls on my mobile fro...

Hi Stressed1 OMG it sound like you were talking to one of the Companies you owe money to and not an IP, whatever level they are they should not be judging you as it is not their place to. Try and either talk directly with your IP as people have suggested or consult another firm. Our adviser was love...

Have hardly started yet, as we are trying to conserve every penny until we know what is happenning with our proposal.

Think i will be paying quite a few vistis to the 99p/£1 shops though this year!!xx

Thanks Carole
Sorry yes it does. Misunderstood part of it.

Glad everything is going well, it is such a worry but hopefully one day will be a great relief.xx

Great news, well done. [:)][:)][:)][:)] Why is it that although Northern Rock who are now owned by the Government say no to IVA's, when it is Government legislation that is being used to help people into an IVA. Does this mean that sometime in the future RBS/LLoyds and HBOS will also be adverse to I...

Hi
just wondering how creditors receive their paymentsin an IVA

Do they get monthly/ yearly or at the end of the 5 year term.

Thanks x

Congratulations, excellent news!
[:)][:)][:)][:)][:)][:)]

Will do

Just a bag of nerves now.
Let's hope our creditors have the Christmas Spirit when it comes round to our meeting.

x

Hello Michael
thanks for your posting. It is not your company acting for us. We have spoen to our IP this morning and we do now understand the Tax implactions.
Thanks for your Support.

Welcome from me too Don't worry there will be a solution, if you go for a DMP just be wary of companies that charge a fee. I went with the CCCS and they do not charge as they are a Charity. My Husband used a company that took his first payment in fees then £80.00 a month, which means they had about ...

No
he is not on any scheme. What is CIS.

He is self employed as a Taxi driver.
I am employed part time for an infamous asset Management Company. Bit ironic as can manage other peoples money but not my own!! x

No,
we have had 3 telphone meetings as they are in N Ireland.
I know you said it is a requirement so i shall raise this with them tomorrow.
Thanks for all your help.x

Ours would probably take infinity[8D][V][V] x

Hi oh no , if that is the case then i cannot see our IVA getting approved as MBNA will have an influencing vote. There is no way we can pay them back over 10 years now, so the only option would be BR wnd they would get a lot less or maybe nothing. Do they use the 10 years ruling if on paper it looks...

Thanks Andy
my husbands profit has been lower for the previous Tax years so i probably did not realise the contributions were part of the self assessment.