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Posted: Tue Oct 11, 2016 8:46 am
by Ant3101
Now 2 months in (I know it's early) but life is so much better for us as a family we actually have a few quid spare each month and even managed to take the children to the cinema which we haven't done in 4+ yrs and not having to worry about where the next card payment will come from is such a relief. But I'm worried the ip will see this and drastically increase our payments next yr...
Posted: Tue Oct 11, 2016 8:49 am
by Ant3101
I'm still getting letters from creditors too but filing these in the big black abyss
Posted: Tue Oct 11, 2016 8:54 am
by kallis3
Thats great news Ant and so pleased that you doing well. I don't think the IP will be too bothered about the cinema trip!
I take it the letters are the annual statements? They are supposed to send them out. If they are still the old 'cough up or else' ones then get your IP to sort them out.
Posted: Tue Oct 11, 2016 8:59 am
by Ant3101
They are letters stating I've defaulted over 2 months I have been informing my IP of these to be told not to worry as it takes time for info to pass down to them as iva was only started on August 17th
Posted: Tue Oct 11, 2016 9:43 am
by luluj
If you can manage a small treat every month from your allowances go for it. Your allowances are yours to do what you chose with ...your IP will only question it should you suddenly say you can't cope with things.
Posted: Tue Oct 11, 2016 9:50 am
by Foggy
Well done with settling in so well. If you can budget within your agreed allowances for a modest treat now and again, so much the better.
Posted: Tue Oct 11, 2016 9:56 am
by MG12
A treat every so often, if you can manage it, will make the journey so much easier for you & your family.
I got letters for a few months after IVA started, i think it just takes time for information to filter through to the right dept. I phoned a few of them & gave them IVA comp details.
Posted: Tue Oct 11, 2016 10:10 am
by Lisa Thomas
Nice to hear the IVA has given you come relief. Not all IPs review bank statements so they may never know about the 'treats' in any event.
Posted: Tue Oct 11, 2016 10:11 am
by kallis3
Some of us managed to save up and get away on a short holiday whilst in an IVA.
Posted: Tue Oct 11, 2016 1:52 pm
by Ant3101
Holidays we're quite lucky as my in laws have a timeshare in tenerife they said we could use so just a case of finding cheap last minute flights and thank you for all your support
Posted: Tue Oct 11, 2016 2:00 pm
by kallis3
That's great - I am sure there are some deals to be had out there.