[:)] Hurray!!!! Can't believe we are finally in year 5 of our iva. Never thought we'd get here, but we have! Got our year 4 annual review report today. Everything staying the same so, with the wind in the right direction, & all things being equal, this time next year we'll be completing our iva! Onl...

If Jacqecc is in negative equity, does that not mean automatically they can't get/doesn't have to apply for a remortgage?? And that the IVA will conclude when originally planned? Or have I misunderstood this part of IVA.

So the money owed on the secure loan will not be taken off any equity we may have?? I find this very strange, as a secred loan is given in the first instance on equity.
Hopefully we won't have any equity anyway, so will finish as planned after year 5!

Me & my hubby are now in our 4th year of IVA [:D] (and can't believe how the time has flown!!). It's now time for the dreaded valuation/re-mortgage (or not!). The silly question is, does our secured loan count towards this? Do we need to get an up to date statement for this too. Also, do we both nee...

Hi. Me & hubby are with MD&C & are now in year 4[:)]
We have had no problems whatsoever with them & would recommend them to anyone wanting to go down the IVA route. They are friendly & helpful, and if anything work more with the customer than the creditor.