Hello Guys Just a bit of advice needed if you wouldnt mind. I completed my IVA in July and sent my certificate of compliance to the 3 credit reference agencies who have updated my file accordingly. On looking at my Experian file all my creditors have now updated to say 'satisfied or settled', apart ...

Hello, Thanks for the replies and i just wanted to give you Some feedback. I went ahead and applied for a Natwest Platinum card as i bank with Natwest and thought they may look on me better than others. It was auto accepted with a decent credit limit - i plan to use this only for monthly fuel and cl...

Hello, I received my certificate of compliance in July and i have sent it to Experian, Equifax and Call Credit and have had confirmation that their records have been updated. Myself and my partner are now saving for a deposit for a mortgage which will probably take us 18 month to 2 years. My questio...

Hello I need some advice i paid my final payment on 1st April and today i received a copy of a variation request from my IP. They have put together a variatioon report and have scheduled a meeting with creditors on 10th May to request 'that my remuneration be based on time properly spent by me and m...

Hi Markvi, It sounds like you are having a tough time, but no one on here will judge you and there are lots of people going through the same thing. The fact that you have some disposable income would indicate the fact that you are just about keeping your head above water, i myself when i entered int...

Hello, I have not written on this site very many times but throughout my IVA it has been an invaluable reference tool and i am sure it is the same for many others. My final payment was taken by my IP today and i have cancelled my standing order as instructed. It felt amazing to think it is nearly al...

Hello

Sorry im a bit confused, the full amount owed to creditors was 27k - i am 5k off this as i have paid 22k back. so when 27k is paid off i will still have to continuing paying more back is that what you are saying or will my agreement be completed?

Thanks for replying.

So im wrong in thinking that there is only 5k left to repay?

As this would take me to the original amount owed?

Thanks

HELLO I have just received my 4th year annual report and ijust want to clarify something. I started the iva with a lower income and around year two i started a commission based job with income that fluctuates greatly. The solution to this was to put aside 50% of additional income each month and i ha...