@Katy, I guess the companies handling IVAs aren't in any particular hurry to close IVAs off. They've had their money, and it isn't their lives being negatively impacted by any delays.Totally wrong that's for sure, and what really annoys me is their lack of communication to let clients know what's go...

cheers everybody - called up my IVA company to see if they have recieved the cheque today and they are on holiday till 2nd jan. I was told previously to cancel my standing order and wanted to confirm, as it should ahve gone out on 1st. will have to wait now and see what they say

Thanks all! am so happy have bought a Tesco Value curry and naan bread meal for tea!! these habits are going to stick with me for ever (as I am sat in a fluffy onesie and no heating on and hood up!)

After severla months waiting- my Creditors meeting was today and I have just found it that they have accepted my Full and Final offer!! YIPEEEEEE, so December was my last payment - it means I can pay off my overdraft when I get paid and be clean for January and have some spare cash!

ok, so I have spoken to my case handler today and she advised me to put (like above) that I have 22 months left of my plan and that I am unlikely to get a re mortgage so offer then 22 months, plus 12 additional months at my current rate £292.00 pm(that would be approx £10k) and see what they say. am...

if so - it would add a further £2000 in year one, etc, so that is adding to my debt - I wish I had questioned this initially - as i thought all interest on the balances etc were frozen, oh dear! I thought I had paid a third off and by year 5 would have paid two thirds off, so only had £10k to find -...

so Is the 8% charged per annum? o

I tried to remortgage in 2011 and was declined as I had too much personal debt. so catch 22

what is the statutary interest that is charged? is it from day 1 of the total debt?

If I can Hijack this thread a year later!! I have the opportunity to clear my IVA from a close family friend who has inherited some money and wants to help me pay it off. I am on my third year and have 30k in my property ( I too have the end property clause) but wonder what and how this could progre...

I am with payplan and when my car needed some work - they allowed me to have 2. I had to add the cost of these on top of my monthly amounts (thanks Mum!! for the extra cash) they wouldn't let me add it to the end of the plan - but it helped me at the time

My car is now on its last legs, It needs 2 new injectors £450 in the next 12 months, taxing at the end of March and a service, it is only worth £1000. I have £750 in savings towards these costs, and my good friend has said he will lend me the money to buy a new one and why don't we trade mine in and...

Hi,
my IVA says if I can't get a re mortgage to release the funds, my IVA is extended by 12 months. I am hoping I can re mortgage at the end so I can clear it all off, but who would remortgage knowing £15k extra is going out on an IVA?

Try going to your local TV shop - alot of the large older silver tv's are still in good working order and people just trade them in to get flat screens. They will probably be grateful for you to take them off their hands

Copy from Above;- During the last review the new caseworker applied different criteria to the previous caseworker. It just makes me feel a little uneasy that no one has a real overview of my case. I too have had a change in case worker and now the goal posts seem to be moving as to how much I am exp...