Thanks Melanie, Your comments are really helpful. I'll discuss a solution with my IP when se returns from holiday.

Thanks Niobe for responding. I'd be really grateful to hear from any IP's on the forum to hear how they advise on this problem or any person who has a similar experience to mine. Happy New year by the way!

My IVA will be completed in 6 months from October 2012 by which time final figures will have been agreed with HMRC and funds dispbursed to creditors. The creditor was mentioned to the IP as a possible creditor as no claim had been made at that time and it was unknown if a claim would be forthcoming....

Hello IVA experts. My IVA was approved in October 2012. The total debt was £115,000 and was settled with a lump sum giving creditors 25p in the pound. Recently a private individual has made a claim against me for £6000 and has threatened County Court Action to recover same. I feel that the maximum...

Good morning, I previously submitted an IVA earlier this year through a licenced practitioner which was accepted by all creditors except HMRC (who had enough vote to block) as it did not reflect the equity in my home. Now I am in the process of producing the supporting documentation for a new IVA pr...

Hi, I am in a dificult situation with HMRC and have some loans and credit card debts. All payments are uptodate at present. I may well be seeking the advice of an IP regarding an IVA if my situation does not improve and/or my self employed earnings (which fluctuate) drop over the next few months. I ...