great news, its such a relief isn't it, to have that certificate in your hand and know officially its over.
well done

once my iva was accepted and i knew i was protected by it i used to just shred and bin them, thats what my ip said she would o with them if i forwarded them to her. they do stop eventually once the information filters through to all departments concerned, although i understand stressful and worrying...

sorry your iva has been rejected, hope you find a suitable way forward, 8 years is a long time however iva can be 5 or 6 even and many people with personal loans do actually take a term of 7 years. but there is always a way forward i'm sure your ip will advise

hiya clare, the variation fees are usually taken out of your payments and calculated within the payment structure by your IP, we are after all in IVA's they must understand we dont have a spare £750 lying around, i dont think you will be expected to find this up front.

hi everyone, havnt been on here for quite some time, if anyone remembers i had my f&f offer accepted last year as i was about to go and have surgery which meant a long period of time off work. well im still off sick its been 4 and a half months so far, but i am recovering slowly. financially i'm doi...

Zoe hp is not included in an iva, as it is secured borrowing, but an allowance can be given for it to continue in your income and expenditure.

good luck terry, i'm sure its nowhere near as bad as your imagining.

seems another case of being asked to takeout a secure loan to cover the equity when it can't be released. i personally feel that if a secured loan was discussed at the begining and is written into your proposal, then thats what you signed up for and so be it, not a lot different from having to remor...

good news enjoy your course.
it would seem there are two very clear leaders and IPs who stand out from the rest in the iva market.
your with one and thankfully i was with the other.

forgot to say, congrats on completing and good luck for september sponge

guess i was lucky with nationwide, i have a full account with blue card and checkbook, but i opened it just before i entered my iva.

hi sponge, i know Iva will remain on my record for a full 6 years, meaning i have just under 5 to go, but it would be nice to have credit reports updated with completed and also default dates corrected to when my IVA began as i am still being defaulted monthly. otherwise when my time is up, the defa...

hi evilmoo, i think you should insist DFD consider what would happen, if these changes to your income take place, because even if your son does go to college this year in two years time he will finish college and you will then loose your tax credits etc, and you will still be in your IVA for 3 years...

Thanks for that skippy

i have googled them,they seem to have plenty of offers for free credit reports for a month, but advice for statutory £2 reports, and an address to request ammendments seem to be well hidden!