Many thanks for your replies, i will take that on board Michael.

We've tried really hard, i was made redundant half way through year two and somehow with help from family we have managed this far

Many thanks Foggy, looks like he's stuffed for another 12 months - seems a bit unfair, especially as they gave me 6 years right from the outset, and then we will have this problem again and they will probably make me go into another extra 12 months as well.

Hello - I haven't been on here for quite awhile. Both my husband and I are in IVA's mine still one more year to run (6th year) my husband ended this month. Unfortunately we were not aware of the equity release clause 85%. So now in a panic trying to get valuations, only I am not great at lying so co...

Well after that panic attack the other day regarding the mortgage - looks like Andrew was right - no point in worrying about it as there is nothing we can do - but fortunately for those of us on variable rates - it looks like we have some respite in the form of overall growth or lack of it - apparen...

Hi both my son and daughter are with 3, we pay £15.00 per month and we have capped their calls - their entilement is 500 mins, 500 texts and 3,000 3 to 3 calls but when they have used all this up they can't make anymore calls only receive them - thus ensuring they never go over the £15.00

Although I understand that interest rates are on their way up - I fail to understand why banks think that someone in an IVA is more risky to lend to than any normal Joe out there (in this day and age anyone can be made redundant, anyone can find that there is no more overtime, and what is more stupi...

Hello everyone, hope you are all well. Just need a little bit of advice. Our mortgage is with a large lending co GE Money. We have been on variable for nearly two years. I rang them this morning to find out what our options are, whether we could change product, may be do interest only etc only to be...

I have spoken to my advisor and everything has been sorted - As Melanie said it's for me to do my Income and Expediture and as long as I have proof of any increase there shouldn't be a problem. Thank you for all your support. [:)]

This forum has been a godsend - and I trust all the professional's advice on it as well as the other users and moderators such as Kallis and Skippy. Unfortunately we only got our review letters in the evening when we got home from work, so I couldn't contact my IVA company and I will now only be abl...

Hi Melanie - I think what she did was send me a copy of my last income and expenditure to see if there is anything that has changed - but then she omitted the service and repairs and haircuts. We keep a spreadsheet of all expenses and it has changed slightly - obviously things have gone up in the la...

Yes - I will speak to her on Monday. Thanks Kallis I will try and chill, although I don't think I will succeed oh well..... I was already fretting about the review date looming up and here we are!

Hi Kallis, I think looking at it now it must have been an oversight - she just didn't include these two thing in the new expenditure review sheet! (at least I hope so!!) - £55.00 per months seems such a lot to me now - and I was doing so well even with the things that have increased in price and the...

Hi everyone again - I've just looked at my original income and expenditure statement and my advisor has missed out a few things such as repairs and servicing and haircuts - are we not covered for these in an iva now? just need to know if anything has changed since 11 months ago. Many thanks

Hello everyone - I am in a bit of a panic and I need some advice desperately - our reviews letters came in the post today and all the expenditure seems right as it was 11 months ago (obviously things have gone up - and I will account for these) it's the bottom figure that doesn't make sense to me, b...