Congratulations!

Don't want to let it lay me down this time, drown my will to fly....

I think credit cards should be banned. Those statistics are pretty shocking, I got my first credit card at 18. The limit was £500 and within 12 month the limit was £2000. I'm now 40k in debt, go figure. That's where it all started. Not that I don't take responsibility but credit is too freely availa...

Hi James,

Thanks for your help. I don't get sick pay because I'm within my first 6 months with the company. I have emailed my IP with the details and he usually gets back to me pretty quickly.



Don't want to let it lay me down this time, drown my will to fly....

Thanks for that, SSP works out at £15 per day for me so I will be able to over any sick pay I get to the agreement that's not a problem. My salary is a lot more than £15 per day though....

Don't want to let it lay me down this time, drown my will to fly....

Hi guys, I am currently off work sick due to back problems, due to the nature of the job I do (Call Centre) it means that it's pretty much impossible for me to go to work whilst I'm in this condition. My sick note runs out tomorow and I have to go back to the doctors tomorrow and I anticipate that I...

I'm on there now too, it's rather scary that people can get hold of our personal details so freely. Mind you there'd be nothing to gain from people stealing our details! [:p]

Don't want to let it lay me down this time, drown my will to fly....

My IP firm is BN Jackson Norton and I would have no hesitation in recommending them to others. They put up with my endless amount of questions, my actual IP is Michael Sanders.

Don't want to let it lay me down this time, drown my will to fly....

Thanks guys, I have spoken to them and they're going to review it when they get our wage slips but we won't have to pay out any extra until it's been reviewed. If we do have to pay any extra it'll be from our September payment onwards which means this month we'll have a bit extra. Going to have a lo...

Just to give you a little more information. The firm that's doing our IVA has my salary after tax down at £750pm and my husbands down at £930pm. I contacted them as soon as a realised we were getting paid slightly more than these figures and was told that it's not a problem and to send in our paysli...

Hi there, I'm just looking for some general advice here. I'm currently in an IVA and have made one payment into it so far. When I originally filled in the income and expenditure form my salary was based on estimated figures as I'd just changed my job and wasn't sure how much my basic wage after tax ...

I used to do it myself and it's only really going to be for family, friends and a few people at work. I just want to make sure I'm not gonna get reprimanded if I decide to do it because the money I will get will be used to buy toiletries from Avon itself. Don't want to let it lay me down this time, ...

Good luck! I was in your position not long ago and I was approved! Keep the faith! xx

Don't want to let it lay me down this time, drown my will to fly....

Hi there,

I am currently in an IVA agreement and was thinking of doing Avon in my spare time. Is it classed as having an extra income??

Don't want to let it lay me down this time, drown my will to fly....

Hi everyone! I've not been around for a while mainly due to being so busy at work but just wanted to let you all know that my IVA was approved on 6th July with modifications. The only one being that our monthly payment was requested to be increased by £43 by our major creditor Halifax who we owe ove...

Hi ancilla,

With the initial figures you gave it certainly looks like an IVA could be an option for you but again I'm not an expert just another person in debt!

Don't want to let it lay me down this time, drown my will to fly....