I haven't really posted much on this forum, but I've certainly read it regularly over the past 6 years since I started my IVA. Like so many others the road to IVA completion has been fraught with difficulties (2 redundancies!) and stress, but I must say it has put me back on the road to to getting m...

Hi all - I often read the forum but rarely post. sorry! However, I would like to ask a question about a full and final offer. The charity I work for has been hit quite hard by the cuts to local authorities and it is increasingly likely that redundancy proceedings will start against me shortly. I am ...

Hi, I've looked so apologies if it's posted elsewhere, but does anyone know where I can find the guidelines by CCC for income and expenditure? My IP has switched from Wilson Phillips to Grant Thornton and the categories are separated slightly differently so I need to work out how to separate some of...

that's a great attitude. It's weird the things that you don't miss. I've started walking to lots of places to save on petrol and i'm healthier and happier for it - and have lost 2 1/2 stone in the year i've been on an IVA! (though of course with this summer, i've invested in a decent brolly!). I no ...

Hi all - quick update. I spoke to Laura at Grant Thornton who was really reassuring and helpful. She gave me a couple of options - one is that I can reduce by 15% and extend the IVA, the other is that I could ask for a reduced payment due to circumstances. The new salary is a much more structured on...

Yes, I co-own a home although in the current climate that is negative equity. Also, I cannot take the job I wish to take if I am bankrupt. Perhaps looking for a higher paid role is the solution, though no idea how long that will take... Could the IVA not be extended for a period of time to make up t...

Hi again! Just another question people might be able to help with! My partner and I split up just before my IVA, although we remain joint mortgage holders on the property I live in (partner moved back to his parents place). We did look at selling, but with the house prices falling, the property we b...

I agree, and frankly, I'd rather my parents keep their money. I do actually feel a responsibility to pay back as much as possible, but am worried about the potentially lower income or not having an income at all!! I did owe £68,882 and am paying back a total of £41,718.00 on the current arrangement....

Thanks for that - good advice. The problem (as I saw it) from the IP's point of view was that I haven't actually been made redundant yet, so being proactive (as I see it) to secure employment is actually just a drop in salary. My redundancy pay would be statutory which I believe is 1 week for every ...

thanks - I am usually very wary of this type of thing (xitdebt) and would rather stick with who I'm with anyway... Any advice on how to approach my current IVA supervisor? Perhaps as part of the annual review which is due anytime now?

My IVA is currently £709 per month and I have just completed a year. My company is being bought out in the next month and redundancies will be imminent. As i definitely need an income and am on the "at risk" register, I have been looking for additional work. Have received a job offer which is approx...

Hi Melanie! Have been glued to your words of wisdom for weeks now! Um, no they said i just need to be contactable by phone on the day, but my employer has offices in the area which i visit regularly so I was thinking of meeting the IP anyway that day.

Hello, I've been lurking on this forum long enough and decided I should be more community minded and get involved. I've been preparing the IVA process with Wilson Phillips (not the 90s pop group!) for a month or so now, and it is finally going to the creditors meeting on 14th July. I'm terrified! I ...