So basically checking off a load of spreadsheets against creditors claims?

That sounds positive...thanks.

Well, after a long 5 years I've finally got there and my final payments have all been made. I've been informed that my IP will now prepare my file for completion and in due course I'll receive my completion certificate. My question is a simple one to the IPs on here really:- What does preparing the ...

That's what I thought! Thanks for the answers.

I'm just coming to the end of my 3rd year and tbh it has been fairly plain sailing so far, though when I get my annual pay rise next year I'll be raising my monthly payment for 15 months but hey, ho! Anyway, someone mentioned today that at the end of my IVA the practitioner would run a credit check ...

IVA accepted as proposed - 18p in the £!!!! Only modifications are around the fees PayPlan are charging, and I have to produce my pension documents to show that i am only paying in the minimum possible contribution.

Amazing, so relieved!!!

Complaint won; money back in account, all related charges refunded. They know they have done wrong, but are working on the principle that if only 1 in 100 complains then they will make enough money to claw back some of that IVA money. It is important that as many people as possible fight back and ge...

For those that are planning to, you can't include it in your IVA, it is a debt that is a joint and several liability and therefore unless your partner is also included in the IVA then they become fully liable for the new debt incurred. However, as I suspected (from working for Lloyds TSB and Barclay...

Not sure if anyone has heard of this but thought I would post as a warning to all. I'm currently in the process of my IVA and my biggest creditor is Lloyds TSB. As advised by my IP, I have stopped paying my payments and as expected am now getting the usual calls from my creditors. However, Lloyds TS...

Currently going through the process ATM, PayPlan sorting everything out. Should be a couple of weeks now then hopefully the full process should be in full flow.

Will keep you updated.

I will do - been on that IVA.com site and there seems to be a couple of them worth calling. Thanks again.

Thanks for taking the time to reply.

I'm speaking with PayPlan at 5pm today, I'll let you know what they say.

I'm unsure exactly how the equity release section of the IVA works. I fully understand that they will want me to remortgage upto 85% but my situation won't allow this (I think) for two reasons. 1) we borrowed 95% LTV. We are still at the rate now and cannot see the extra 10% coming (though no-one ca...