Hi folks.Been in an IVA for 12 months.My understanding was that each creditor would get a payment from the 'monthly amount'.However it looks that some have had something,others nothing and I am informed that some have not elected to request anything yet!.I have received a statement from one with int...

Ha Ha! - well...I spoke to a lovely lady at the Building Society - she offered me lots of options and we decided on a new deal that would reduce our payment by £ 70 which would help towards the new joint liability 'hit' from our old bank. However when she went onto other 'products' (there was not a ...

Thanks to all of you. I think we shall just give it a go - you never know![:)]

Hi Folks. As a IVA newbie I'm looking at all ways to reduce costs - my current mortgage is on a variable rate - what are the chances of my existing/new lender allowing me to go onto a lower fixed rate? are there any approaches which might help?

Thank you to all who responded! -great to know there is so much support out there.My IP did not advise re: joint liability>>is it worth having a go at the IP ? Hi folks - first time today.I'm in the IVA - my wife isn't.Despite me incorporating all of the joint bank acct debt into the IVA the bank ha...

Hi folks - first time today.I'm in the IVA - my wife isn't.Despite me incorporating all of the joint bank acct debt into the IVA the bank have now issued court proceedings against my wife for the full amount.My IVA practs are not responding with any advice so far and we are worried.Any advice would ...