to be honest, i think i have! would it be possible to email you seperately with all my details so you could have a look and see what you think? i know you are very busy but would appreciate it. i have been on the forum on and off for the last 12 months and have read your replies to questions that ha...

hi all thanx for your replies - melanie, my proposal states that any increase over the 12 months means that they can take 50% - my wage has inceased by £50 over the last twelve months (not per month) since i was accepted ibto an IVA so i suppose its correct that £25.00 is taken. what i cant get my h...

hi all - i have just spoken to my IP as they are currently carrying out my annual review - i have submited my I+E and my outgoings are £988 compared to my salary of £1353 per month - they have told me that my payments will go up from £377 to £402 - am worried that i wont be able to afford the IVA an...

well done on completion! only 48 months left for me! i changed networks whilst on an iva and o2 wouldnt accept me due to my credit rating but T-Mobile did and i havent had any problems with them (£20.00pm - 600mins + unlimited texts) just a thought.......

thanx melanie - i got a bit confused!! - paul

ladyh - thanx for that!

I think i should have posted this in a new question instead of putting it at the end of a thread! sorry............hi all i am just coming up to my first review and have submitted an I+E. i forgot to add in my IVA payment as an expenditure - should i have included it or left it off - if i have added...

hi all
i am just coming up to my first review and have submitted an I+E. i forgot to add in my IVA payment as an expenditure - should i have included it or left it off - if i have added it in, my disposable income becomes a minus!
thanx

thanx for the advice melanie, as i said yesterday, this forum has been a godsend for me! paul

melanie - i dont know to be honest - i am maintaining the payments but i am struggling a bit with things like repair cost to my vehicle, MOT, car tax etc - all due in August and felt it would be a lot to ask for a payment break as i havent even done 12 months yet! i am also panicking about the revie...

hi - i kept the IP upto date and they agreed to my name being removed from the property - it was in negative equity so there was no money due to me and it was transferred into my ex's name.

i havent been on this site for a while do to what i was going through but have realised again to day there are many brilliant and helpul people on the forum - so thanx!

hi melanie - yes i can continue the payments - i am due my review in a couple weeks so i should wait to see what the outcome of that is - i did enquire about the review and my IP stated that any change could take 3 months after the review to implement but assured me that nothing would be backdated t...

thanx for the information - kallis i did try to reply to your post but me pc crashed for a minute!
i suppose i am naive as i thought you could just apply to go bankcrupt at any point, i didnt realise i would have to default on the IVA...........

hi all - i am currently in an IVA, nearly 12 months up, i have split up with my partner, removed my name from the mortgage and now live in rented accommodation. would i be able to file for bankcruptcy at this point? i am not sure whether i could or not - could anyone give any advice? i am just about...