If my new partner pays off my debts ?

[ginger3232]

Kmb01 - Is Chris your IP? - sorry i know you probaly done this but it maybe worth knocking up a quick email directly to your IP direct - just to see if there is different information. It does seem silly - if not incorrect that you should have to suffer the burden of your EXs debt. so you can move on with your life.. But hang on here - i am sure more people with wider experience will advise the best way forward.

[kmb01]

Hi Ginger3232 - Not sure who my IP is officially as I don't have the paperwork (my ex set fire to it when I left him!) but the Supervisor is Gareth Neill (had letter from him about issuing a Termination Certificate). On his letter he states that I should contact Catherine Varney - who I emailed explaining the situation and advising that I wanted the IVA Split etc. It was Catherine who transferred the information to Chris Haine from Belfast.

[kmb01]

Have decided to be pro-active and have just emailed Chris Haine directly and asked him to clarify once and for all whether it IS possible to split the IVA. Will post his response!

[ginger3232]

Its worth getting the information for future reference - use the IVA register - you will find it there.

Reason why i suggested the IP direct - sometimes the information given can be very diffrent

[ginger3232]

http://www.insolvency.gov.uk/eiir/

[kmb01]

The IP used to be Grant Thornton, it now shows

Insolvency Practitioner Unit
Contact Enquiry Desk
Address Cannon House
18 Priory Queensway
Birmingham
United Kingdom

All a bit worrying for me as I say - I have no back up paperwork

[ginger3232]

It may be worth your while - if you send a letter - ask for the contact details of your IP + email address, i personally would be requesting a photo copy of the proposal as well (explaining why you have not got a copy)as most people need to refer to it at some stage.

Then again maybe i am just a "cheeky git"

But hang on in here - someone will come up with answer

[kmb01]

This is GT response:

"As I said during the call, the IVA can be split, but can not be split to use the option you are putting forward which is offering a lump sum.

This is something the specialist advisor will go through with you in much more detail during the appointment."

Does this make sense at all? He certainly DID NOT say that it could be split during the converation! To be brutally honest with you, I get the impression that all they wish to do is "sell" me another IVA to get more fees! Am getting very twitchy!

Not ginger, you are not a cheeky git! And thanks for your advice!

[kmb01]

Another point - have just been reading some other posts and they all seem to mention an "annual review" - I haven't had an "annual review" since 2008? Am getting extremely twitchy now ......

[ginger3232]

kmb - when you mentioned that they had said another IVA - my first thought - more fees and you credit shot to bits for another six years.

Ask for copies of yearly statements etc as well !!

May be worth splitting the iVA - and bank the lump sum for a bigger house deposit after the IVA. It may not be how you want your married life to start but the important bit is the IVA will finish and you can then concentrate where you want to live/and what type of house.

Personally my own IVA was due to a relationship breakup - and for years after I was reminded of this by the IVA -- but it does finish, and you can truely move on !!!

[kmb01]

I know exactly what you mean about new IVA more charges etc. Does it also mean that, when I do get married, my new husbands income will be taken into account?

[Shining]

Your husbands income wouldn't be paying towards your IVA it would however be taken into consideration in respect of your I&E to ensure living costs were shared as two can often live as cheaply as one. x

[kmb01]

Had a brilliant conversation with Jennifer from Grant Thornton last night. It seems that she was "monitoring" the conversation I had earlier with Chris and she wanted to clarify the facts. GT ARE able to split the IVA and I WILL

[kmb01]

sorry, got cut off from last message - it seems they can split the IVA and that I am able to offer a lump sum to MY creditors to clear my IVA. Also, they will contact me ex husband to tell him that he has to face up to his part of the IVA or it will fail. I feel a lot more positive now

[ginger3232]

Great - well done kmb01 - time to break out the wine !!! and put that part of your life behind you