would not put you in the same category as the people i have dealt with, i am grateful for the help and support you have given me.

the way i look at it is the IP never allowed me any extra to live on when i have been struggling so why should they get any more than absolutely necessary now! From my experience IP's lull you into a false sense of security assuring you that you will only pay what you can afford and that all of your...

They wrote to me (as have other brokers in the past) offering their services and at the end of my tether i decided to call them not believing that i could get out of my iva early and was delighted with them at first as they seemed very straight forward, helpful and understanding. as time has gone on...

Thank you. I will try but think that as soon as they know for sure that there is more money potentially available they will do all they can to take it so am not holding my breath. Do you know whether it is possible at this late stage to refuse to drawdown the surplus from the remortgage so that ther...

The chairman's report had the same wording "full proceeds of remortgage approximately...)". But this was not my offer and this has never been mentioned before in the conversations I have had with the IP when going through the process of making an offer.

Its all going horribly wrong!! We are meant to be completing the remortgage this Friday but everything seems to be against us. Our offer of £25k was accepted and on the advice of my broker we arranged a remortgage of slightly more than the offer to ensure that all fees were covered. As this was roun...

Thank you Lisa, really very kind of you, much appreciated. Hope you have a good holiday too!

can anyone out there let me have the codes from the tokens so i can book online as i forgot to buy the paper? PLEEEASE!

have you booked online before? i have not but i have been told that as soon as the first 6 tokens have been printed you can go online and choose your date and destination and if your quick you can get your first choice as the popular parks like Butlins etc. go first!

Hi all, just to say that the sun hols are great, i have done them many times in the past and they are great value for money - now that our first and final offer has been accepted perhaps we can afford a proper holiday in the future! I had my sun priority form through the post but forgot to buy the p...

Marvelous news! full and final accepted and had a mortgage offer so all systems go. we are over the moon that we can finally be free of this iva and get back to normal again but needless to say we will never be so stupid with credit after this experience! Thanks to everyone who gave advice and merry...

Finally heard from our ip after being given the run around for a while with telephone calls I finally got hold of a sensible person who is now keeping me informed and seems to have got things moving - they say the offer is a good one and they have drafted the report and set a date for creditors meet...

Congratulations. I myself have three year old identical twin girls and no matter how down I get about money and my iva I only need to look at them to know family is more important than anything and they always make me smile - watching twins grow is an amazing blessing - but need i say HARD WORK but ...

Thanks everyone for the reply. I completely see the experts point but neglected to mention in my first post that our circumstances are about to change. My elderly parents currently provide our child care which allows me to work part time but they are both in ill health and now registered disabled an...

Hi,We have been in our IVA for almost 2 years paying £634 per month with an equity release clause in year 4 - original debt was in the region of 100k but according to the this year's ip review actual amount outstanding now is £88k (assume some creditors did not claim plus deductions for what we have...