Thanks for the advice.
I wondered if an extension is an option with NRAM as I'm in negative equity

hi all
after being forced into interest only on my mortgage whilst in my iva i would like to change to repayment now my iva has finished.
having been 6 years on interest only do i have the option of extending my mortgage term to make payments easier?
i have 24 years to retirement
thanks.

Hi all
My Iva completed in may this year thankfully
But I still have a black mark on my credit report by RBS
Does anyone know how I remove this?
Thanks

thanks I will speak to them.
just need my cc and im done!

hey all, all done after 6 years (few payment breaks) last payment made to DFD on 22nd of October but have just received an annual review notice is this an automated letter do you think as I have made all payments. thanks for all your help with this web site its been a huge help.

thanks,one less thing to worry about

hi everyone,ive been in an iva for nearly 4 years.i opened a full bank account prior to this and now want to open one for my teenager.as she lives at my address I am worried any background checks may discover my iva and close my account. what do you think?

Hey all I changed banks prior to my iva 3 years ago and now want to open a child account for my son with this bank does anyone know if my iva will effect this and if I stick my head up and they find out I'm in an iva will they close my account ? thanks

hey all,been in an iva for two and a bit years and after being refused a mobile phone contract on the grounds of financial leper i took out a 30 day rolling sim only contract with t-mobile.6 months later i attempted again for a grown up contract and success! i now have a contract and a new htc. result

Thanks everyone I feel much better for that

hey all, im a year into my iva now and my mobile phone contract (pre iva) is up for renewal does anyone know if i will be credit checked again or as an existing customer will i get away with it. thanks

hey all,i have been in an iva for nearly a year now and am coming up to my first review.my income has decreased a little and my gas/elect has gone up.this leaves me around £170 per month worse off.i can cope fine my reducing my outgoings (sky tv,mobile phone etc)and shopping at the right places.my q...

hi all, just a thought ,whats going to happen next year when tax credits are removed for couples earning over the new threshold?. for those claiming tax credits will iva payments reduce?

hi everyone,i am due to loose my tax credits (i earned too much to pay my debts) i am due my first anual review in november,if i can keep up my re-payments by making cuts elsewhere sky etc will my iva be ok? or does your ip decide you cant afford what you initially proposed. i feel i can afford to p...

hey all. due to the bad winter we are having,if my energy bills increased by say £100 would i be able to work that amount of overtime each month (and keep it) to maintain my iva payments? after all i will not be benefiting from the extra income. thanks