I too have an excellent credit rating, however my IVA is on there for a few more months (completed) & should then drop off.

Thanks for your advice, I will definitely be doing it myself - i don't intend to line a CMC's pocket! I am anticipating some arguements due to the historic IVA but you are right, there is no debt for them to set off against. Thanks for your help, it's good to know it can work - where would i find th...

I have recently completed my IVA with Payplan, and am awaiting my certificate. I too received a letter urging me to reclaim PPI. I called them to check what i need to do as as far as i'm concerned my IVA has been completed, i am just awaiting the paperwork. They have confirmed to me that i do not ne...

Hi there I was wondering whether any of you have any experience of claiming PPI after completion of an IVA. I have completed my IVA & have a completion certificate. I therefore no longer have a debt. I was missold PPI on a credit card & loan with Mint. It was mis-sold to me for a number of reasons. ...

I have an IVA that I may be able to pay off early. I have 2 years left. I have a property with my ex partner that has a charge on it as a result of the IVA, he too has an IVA & a charge on the same property. I am thinking of getting a mortgage with my new partner. He has an excellent credit history ...

I had my review yesterday & it all went very smoothly. Thank u all so much for your help & support, I can now relax for another 12 months x

That is my absolute worse fear, I cannot go br, it would devastate me because we'd lose our house, my ex partner would then in turn have to go br & would then lose his job because it's in the financial sector. My family would find out & would be ashamed of me. This is why I'm so worried, I know it's...

I think that's it, I'm scared they'll make me pay more which I can't afford & I'm scared of changing everything. I just want it over with so I can relax for another year. I've been dreading the review & it was a bit of a shock when I got the call because I thought I had another month. Roll on this t...

Thank you all, I've got my first annual review tomorrow. Can't wait to get it over with, wish me luck! x

Thank you for your prompt relpy, there is something in the contract that says they are entitled to a % of the equity in year 5 but if there isnt any i think the iva extends for another 6-12months. I dont mind this i am always optimistic that something will happen in those 5 years to mean my ex will ...

Ive got my first annual review coming up & im pretty scared. i split up with my partner a few months ago & moved out. I tried to rent a flat but couldnt afford it so im renting a room from a friend. I still contribute 50% towards a secured loan on the house & my name is still on the mortgage. Im wor...