Thank you all for your replies. I have now been informed I will have to take a secured loan to pay off IVA. Do you have any idea how much would be a fair amount to offer in full settlement?

No they havent. I sent them an email earlier asking. The letter said "it looks as though you may qualify for remortgaging". There is equity in my house. Im so confused and feel like crying how can this be?

Can anyone help? I am due to finish my IVA in Jan and will have a balance of approx £4,000. I have been informed today by my IP that i will owe approx £13,000. How is this possible. I feel really down at mo because I thought I had nearly finished. Also if someone gave me money what sort of figure ...

Some of you have been very lucky with your choice of company used. I'm with DFD and have never spoken to my IP and have not spoken to anyone from this company for around 3 years! I don't know if this is normal but I really wish I'd investigated other companies rather than just phoning the first numb...

Hello. I'm in my final year 6 payments to go, fingers crossed. I am with debt free direct and have had only one letter this year asking for mortgage statement and nothing else

Thank you orchid5. Please can I ask what they said to you because as I said I'm expecting to finish in Jan and still have around 4,000 outstanding. I have no idea what to expect. Any info greatly received as I just want to see and end to this mess

Thank you Liz. I cannot believe I am nearly at the end, it seems such a long time ago I started it.

Thank you everyone. To be honest I don't use this site as much as I should. I am due to finish my IVA and only have 5 more monthly payments to go, I have only heard from DFD once this year and that was to ask for mortgage statement, I sent it them and have not heard anything since! Is this normal, I...

Email address for eleanor mccinon at debt free direct please?

Thank you all for your replies. Im with Debt Free Direct Melanie.

If i owe around £11,000 do you think they would take an offer of around £8,000?

I hope someone can help. I'm in the 5th year of my IVA hurray! I have another 10 months to pay. I pay £657 and after this I will owe around £5,000. Can I make an offer now that is less than outstanding amount if i can get someone to help me out, or do i have to wait til the end. I'm also not sure ...

I just saw advert on television, rang them and that was that. Wish I had looked into it more now. I would not recommend Debt Free Direct as they are not the most helpful

I was wondering if anyone felt they have been mis-sold an IVA. To cut a long story short I was 8 months pregnant when I took my first step to taking an IVA. I was pregnant with what I was led to believe an extremely ill bsby and, as you can imagine, i was extremely stressed. I was informed by DFD th...