Yes I think I will complain today. The more I have thought about it the crosser I have got. I was only asking for clarification as I thought we had to apply for a remortgage to see if we could release funds to pay the creditors back more and all I wanted was a figure to put in. It didn't make sense ...

Just a moan really! We have been in our IVA for 6 years now and it is due to finish next Feb. We are in the process of a F&F offer. We have sent off the required info and were then asked to obtain 2 re mortgage refusals. I got confused and I wasn't sure of what I was doing and sent a polite email as...

Thanks Andy!

Hi Foggy, thanks for your reply. When you say equity what does that mean? We are in year 6 due to not being able to remortgage. Thanks

Hello, just a quick question. Our payments are £369 per month. Our IVA is due to finish Feb 2015. If we were lucky enough to be able to make a full and final offer would it be a case of £369 x 12 payments. Thanks

Well it's our time of year to do our Income and expenditure! Yay, made it this far and this should be the last one ever!!!! The years have flown by and we have made it this far and now on the home stretch with 12 payments to go(with an extra year thrown in)!! One son has left school and another goin...

Thank you Melanie. Have contacted them and understand it all clearly now and now know what figures we are looking at. I must remember that they are not monsters and are there to help! I just get really nervous calling them but they were really good.

Thank you for your replies. So just to clarify we should apply for a re-mortgage of £97,75K (85%) as per paperwork. Month 60 is in Feb 2014. Does this mean that we continue to pay the same monthly sum until Feb 2015? In our paperwork it says after month 54 the supervisor will obtain a professional v...

Hi, I have posted previously regarding this but no one answered the last bit of my question and I am really confused. We are coming up to month 54 and at the request of IP have had the house valued by an estate agent. We have now had the letter from them saying they would marker the property between...

Also, just wanted to ask, one of my creditor's still has not put a claim in 4 years on. Is there a cut off date on which they can put in their claim? Thanks

Yes I am married and we are both in the IVA. I am getting so confused! The IVA company told us to apply for a mortgage just to get the rejection letter but I am not sure how much we should be asking a mortgage company for? As the estate agent said £120,000 do we ask for a mortgage for that much even...

The letter I had from IP asked for a current property valuation so I only got one around as I thought our property would be roughly the same as a property by ours that has just sold for £108,000 but was marketed at £110,000. They are going to put the price in a letter to me so when I get the letter ...

Had estate agent around today and they would put the house on at £120,000! By my calculations (have estimated mortgage owing from last May to be approx £86,551) so it looks like we will have to go down the re mortgage road. Does any one know if we can just apply for a mortgage on line to get the rej...

Thanks both for your help, I think I understand now.

Good morning. I am getting a little confused and wondered if some one could put this in a language I undersatnd please? We have had a letter regarding the 4th year of our arrangement and introducing funds. \we have to obtain a current property valuation. Question 1: Can we just get a estate agent ro...