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Struzzo39

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Post by Struzzo39 » Fri Mar 07, 2014 6:10 pm
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Hope you get sorted soon. Iva's are no easy ride but worth it. Starting to see a shimmer of light at the end of our tunnel
Steven & Debbie
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Foggy

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Post by Foggy » Fri Mar 07, 2014 6:18 pm
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As Latitudee says, there will be days ( a few of them!) when you feel like a second class citizen --- but, when it is all done and dusted, you will be at the top of the hill !!

A rare creature who has a clean credit file and is DEBT FREE !!!

Since becoming an adult I do not think I have EVER been debt free .. until now. I owe nothing to anybody .... and it will stay that way.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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austint36

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Post by austint36 » Fri Mar 07, 2014 7:36 pm
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Thankyou for all your advice. I can reduce my payments but I would have to extend the time of the IVA and I don't want to do that so will battle on! :) :) x
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Foggy

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Post by Foggy » Fri Mar 07, 2014 7:57 pm
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font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by austint36

Thankyou for all your advice. I can reduce my payments but I would have to extend the time of the IVA and I don't want to do that so will battle on! :) :) x
Have you been told this specifically ? I had mine reduced with no extension.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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MelanieGiles

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Post by MelanieGiles » Fri Mar 07, 2014 11:25 pm
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Why can't they simply call a variation meeting to get creditors to accept lower payments? Very easy to do - I did two such reports for two of my clients just this afternoon. I really fail to see why you should struggle on, and have a miserable life, when creditors are usually very amendable to variations.
Regards, Melanie Giles, Insolvency Practitioner
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austint36

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Post by austint36 » Sat Mar 08, 2014 10:51 am
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Melanie,

They had made a mistake with how much I pay in council tax so the Surplus that I pay they say is correct.
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MelanieGiles

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Post by MelanieGiles » Mon Mar 10, 2014 1:05 am
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Do you concur with their opinion? How much do you feel you can realistically afford to pay comfortably?
Regards, Melanie Giles, Insolvency Practitioner
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