Hello, I hope you are well and had a great xmas and new year? I was wondering if you may be able to help or give advice, my partner and myself completed out IVA in the middle of last year, got our cert November time. We currently have a mortgage on our property with approx 82k left, the property is ...

Thanks Lesley for your help, i'll hang about for Julie if she comes on.

Ta

Rus

Hi Both, Thanks for the responses, even with a payment break 3 months payments wouldnt amount ot the deposit required, my partner had to take just over £1000 per month pay drop as her compnay dont have a maternity scheme so she only had 6 weeks at 90% pay then £118 approx per week up to July this ye...

Hi Lesley, Thanks for the response, the deposit is our biggest problem, we just cant lay our hands on that much money. Our IP has been really good about it, even to the point they have said they would provide an 'OK' to a company who would take us on, its just finding one that requires no deposit!!!!

Hi All, Was wondering if anyone could give me some advice. My Partner and myself are two years into our IVA, when we took our IVA out we had a lease vehicle as i work quite away from home and my children go to the nursery based at my work, i also do quite a bit of work mileage. Anyhow this sceheme c...

Myself and my partner are in a joint IVA, what would happen if we were to split up? would we have to go bankrupt?

thank mel, we are a family of three, my partner,daughter and myself. when we filled out our i&e we done it literally, with a contingency of £75. our origianl payment was £309 per month, but we both had pay increase of around £100 per month each which moved our payments to just over £500, we are now ...

on our i&e what is deemed reasonable to request as recreation, ie what is not on our expenditure budget ie xmas press's,holidays,home decoration etc etc if they are asking for 690 out of the 881.70 that leaves 190 to budget for these things does that seem reasonable as it doesnt seem realistic to us...

hi drg,

i did have a slight pay rise since the iva started but we have always informed the ip of anything like that.

sorry to sound dumb but whats a variation meeting?

thanks for the response fergie!!! on our i&e after they had taken the expenditure off our salaries it left 881.70, of which they want us to pay 690, do you think they would even consider letting us pay 600 to ease things for us? is this normal practice to try and negotiate to help ease things and wo...

Hi there all, first time poster here so be gentle!!!! my partner and myself are around 6 months into our iva, we are just going through our first review, and the figure we have had back that will be our new payments will leave us house bound really with no real funds to enjoy our family time (2yr ol...