Hope they were not my payslips Endsmeet as you might feel sorry for me & send me a food parcel[:)]

hopefully PP can get back on their game in the future!!

I have had no trouble with Payplan but from my point of view the less I hear from them the better, I send my slips in each quarter then they tell me what I owe! but I guess my IVA is pretty uncomplicated in that I have no equity etc.. did have a problem with my last review but in the end I just upda...

Interest frozen, pay back only what you can afford, what's left gets written off, totally free course on managing finace & best of all after 5 years you are free to get on with your life! I think this poster is a bit of an activist & his post was designed to create uncertainty & as he has given less...

Fair enough I suppose! guess there has to be a cut off point somewhere[:(]

So if you receive a windfall of £501 you hand it all over but if the windfall were £499 you keep it? is this correct or am I missing something here?

What Martin(state the bleeding obvious Lewis)! I turn the tele over whenever he comes on, if he does not recognise IVA's as a debt solution then what does he support? BR? chasing your tail for the rest of your life?

I asked the same question of Payplan & was also told that they would take no backpay, I do all my correspondence by e-mail so have this in writing.

Had another read & found the "after acquired asset" clause which states any asset or windfall over £500 will go to the value of the IVA. so there you go!

Sounds about right Pelder but this brings me onto another question! I have looked at my proposal & Chairman's report & neither gives any information on either bonuses or windfalls which I do find strange, I do & am happy to is pay over half of everything extra I earn but this is a bit different. Am ...

Hopefully the creditors will still have some christmas spirit, good luck

Dangerous to assume that when you have no idea of how his income works, he maybe paying it out of his share of monthly bonuses, there is no credit agreement in place & therefore may as well be regardrd as a gift, if he chooses to pay them money back out of his disposable then what is wrong with that?

It seems to me that sometimes you can declare too much information, supposing GDB88 had said that a family member had bought him the car then where would the problem be? given that he is paying his family back without disrupting the IVA makes the situation more ludicrous in my opinion.

If I tell my family that I tought about buying them presents do you think that would be ok?[:)]

Hi Mark, no problem moving your payment as long as the payment goes out in the same month, quite easy to do if you have SO but if it is DD then your IP will have to do it from their end. F&F I guess need to be as close to the final dividend as possible but it may be possible to offer a little less g...

Interesting question I think I have in September received 18 free shares from my employer which I had to pay tax on which I was happy to pay for out of my own allowance, I am not able to (even if I wanted to) cash these shares in for 2 years, question is how do i stand with this with regard to my IV...