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Posted: Fri Dec 07, 2007 10:19 pm
by neil277
Hi
I have been looking at many websites and find it hard to understand that most people add more into there I.V.A when they have more money (ie) pay rises, bonus etc.
But the debt does not clear any quicker, can someone explain this please.
Regards
Neil
Posted: Fri Dec 07, 2007 10:26 pm
by Andrew Graveson
Hi Neil,
Most IVA's include an element of write-off by the creditors which is a sign of their goodwill in helping to resolve the financial issues and concerns involved. They have agreed to this voluntarily.
If an individual's financial position improves so that they can pay more it seems fair that this goodwill is reciprocated by the debtor.
Andrew Graveson
Mortgage Broker & Bright Oak Debt Management
andrew@brightoak.co.uk
www.brightoak.co.uk
Posted: Fri Dec 07, 2007 10:30 pm
by olympic_torch
What a brilliannt title for a thread.
Particularly as i am listening to 'echoes'
by Pink Floyd.
(I know it's too old for you whippersnappers on here)
Aucto Splendore Resurgo.
(7 down, 53 to go)
Posted: Fri Dec 07, 2007 10:45 pm
by MelanieGiles
That is one of my favourite albums - being an enormous PF fan! There is no better track to listen to than Comfortably Numb.
To the original poster - the whole spirit of an IVA is a willingness to offer as much as possible to creditors based upon affordability. Therefore most people are only too pleased to offer up a proportion of their increased earnings in order to enhance the position for creditors.
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp
See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp
Posted: Fri Dec 07, 2007 11:23 pm
by Andrew Graveson
"The Great Gig in the Sky".
On "Echoes" and awesome.
At what age do you stop being a whippersnapper OT?
Andrew Graveson
Mortgage Broker & Bright Oak Debt Management
andrew@brightoak.co.uk
www.brightoak.co.uk
Posted: Fri Dec 07, 2007 11:28 pm
by olympic_torch
When your 'whip' don't 'snap' i guess.
How much did they spoil the great gig in the sky by using it on a b*oody shampoo ad !
Aucto Splendore Resurgo.
(7 down, 53 to go)
Posted: Fri Dec 07, 2007 11:29 pm
by MelanieGiles
Well you and I are obviously both past it Andrew!
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp
See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp
Posted: Fri Dec 07, 2007 11:31 pm
by olympic_torch
pps
just to be morbid for a moment.
can't decide which i would prefer for my funeral.
comfortably numb or wish you were here.
what do the panel think?
Aucto Splendore Resurgo.
(7 down, 53 to go)
Posted: Fri Dec 07, 2007 11:31 pm
by Andrew Graveson
Don't be silly Melanie.
I've always loved "retro" music!
Andrew Graveson
Mortgage Broker & Bright Oak Debt Management
andrew@brightoak.co.uk
www.brightoak.co.uk
Posted: Fri Dec 07, 2007 11:49 pm
by MelanieGiles
For you OT
Definately "Shine on you Crazy Diamond"!
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp
See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp
Posted: Sat Dec 08, 2007 12:08 am
by olympic_torch
mmmmm yes.
A song dedicated to a drug addicted,
missunderstood loner.
i can just hear it playing as the curtains close.[8D]
Aucto Splendore Resurgo.
(7 down, 53 to go)
Posted: Sat Dec 08, 2007 12:27 am
by thebear29uk
If I'd only stopped for as long as the intro to "Shine on You Crazy Diamond" before thinking I could afford all those things maybe I wouldn't be on this forum.
Maybe you true PF fans will think I jumped on the bandwagon but I remember Xmas 1978/79 being in the school production of Midsummer Nights Dream and at the final night party jumping about - you didn't dance aged 12 - to "Another Brick in the Wall".
Regards
Dave
Posted: Sat Dec 08, 2007 12:35 am
by mikebdomain
'time' I'll say no more
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Posted: Sat Dec 08, 2007 12:36 am
by olympic_torch
yes,they were a bit self indulgent i suppose.
okey doke then.
christmas 1978 i was pounding the beat as one of her majesty's finest.
those were the days.
Carter and Regan... Get yer trousers on , you're nicked.
Aucto Splendore Resurgo.
(7 down, 53 to go)
Posted: Sat Dec 08, 2007 1:08 am
by thebear29uk
OT
Jack Regan being poured a whiskey "say when Mr Regan" "what?" "say when Mr Regan" "what?"
One large glass of whiskey later...
Regards
Dave