<t>Hello just a question about a payday loan refund that is being paid following the FOS decision to uphold my complaint made. My IVA completed this year and my IVA company have said they have an interest in any refund I may receive. The loan was taken out in 2011 whilst in my IVA. I was allowed cre...

My IVA started in April 2008 and completes in May 2016 which means my IVA has been in place for 7 years. My question is even though it has not completed. I thought it should only stay on my CRA file 6 years is this correct?

Does any one know the procedure an IVA company must take prior to terminating your IVA? I have arrears but are still paying a regular amount in each month. I did have a deault from them which is now followed with a variation meeting to reduce payments.

I am only allowed £140 per month for food I ws expecting it to be £175 with the cost of food going up etc. I dont live excessively. does any one know what the CCCS guidelines are for food alowances?

if an IVA fails does the IP automaticaly file for a BR against you? what normaly happens and can you revert to a DMP?

When a person enters the IVA do most creditors sell on the debts on at a loss and the new creditor acepts the IVA? I just wondered if banks etc keep these on the books or write them off.

I have recieved a letter from moneymeans indicating that my IVA may not have been the best option for me. Hs anyone heard of this company? I am starting my 3rd year in my IVA. Debt plans I feel are worse because there is no fixed period as in a IVA plus creditors can still chase you. what are people...

I have over 10 debt with credit cards and unsecured loans and are in a IVA. Can these debts be challenged as unenforceble under the 1974 credit act? I had heard that the cca were not legaly binding and just wondered if being in an IVA should stop me finding out more?

Is it possible to negoitate a settlement with creditors when in a IVA?

does any one know what type of debit card the coop cashminder account offers. Is it a visa debit or solo?

I have just returned my annual review I/E form with DFD. I had arrears of £700 and a missed payment in December. Declan kindly contacted DFD who then emailed me with a proposal that they would extend my IVA by 1 month and asked me to pay an additional £28 per month for 24 months to clear the arrears...

I have missed my January payment partly through christmas spending etc. I am nearly 2 years in my IVA and had my original payments of £298 increased to £540 per month when I had a salary rise. I have managed to pay £500 permonth but the £40 was difficult to find resulting in arrears £700 I have wrot...

I am in a IVA with DFD if I wanted to change my IVA company is it a complicated process and do I need to go to court again? I feel my payments are too high.

My IVA terms state that if I miss 3 payments the IP has to apply for BR. I pay £540 per month and currently have arreas of £700 They increased my original payment of £292 in first year to £540 this secound year which was difficult for me to meet and I have been paying £500 per month. resulting in th...

Does any one know about Citibank current accounts. I heard they are easy to open with a normal visa debit card on offer. I have been acepted for a account but not sure if it will be the visa electron card which is not great. I will have my salary credited in to the account.