Thank you all for your good wishes. I will definitely carry on reading and contributing to the forum. Well done Christine 53 on your completion today - the feeling of achievement is great isn't it! As Luluj said - it is refreshing and encouraging to know that some IP's are completing in a timely man...

Made my final payment on 28th November and cannot believe it but received my certificate of due completion today! Was expecting a battle after reading all the issues and problems that people are experiencing. I have been an avid reader of this forum since my IVA began in November 2006 and have found...

Thanks for your help Melanie - I thought this would be the case.

Hi Melanie, just wondering if you have managed to speak with your barrister ref this topic.

I have just made my final payment - and still no mention from my IP ref PPI reclaim. They have just sent a letter confirming that they have 28 days to finalise things!

Thanks for your help Melanie - no problem with you asking your barrister and I look forward to receiving their response. Muggins - my dividend will be 90% - I have managed to double my income over the past 3 years with promotions at work so this has meant a huge increase to the original re-payment a...

It just goes on to say: "then the debtors shall forthwith disclose the same to the supervisor and make available to the Supervisor the whole of such assets or property or such part of such assets or property as shall allow the supervisor to pay in full all the liabilities of the debtors including th...

Thanks Lesley:)

Another query about PPI (sorry!) I make my last payment on the 17th November and prior to taking out my IVA in 2006 had a consolidation loan with First Plus. I had PPI with this loan and paid it off in full by way of re-mortagage in 2004. My question is can I claim back the PPI as I was definitely m...

Hi, I have a Company Credit Card as my job also means that I work overseas - it is with HSBC now but I was originally with AMEX. I had to fill in an agreement form for both cards as although they were Company cards and they are ultimately liable for the debt I have to claim the money off my Company ...

Hi Mattyboy, the original dividend was 40p - when the creditors claims came in the amount owed was not as much as first anticipated plus I managed to get a much better job that increased the monthly payments from £750 to £1,200. We were supposed to try to release equity in year 4 but at that time, a...

It was thanks to the advice on here that I had the courage to ask them to offer the F & F (I felt as though I was forcing them to do something that they had encouraged me not to do!!)- so thank you to all of you for your advice. It may not come off but it is definitely worth a try................. W...

Hi all, msny thsnkd for your replies. I contacted the Mortgage company today who feel that the max they can offer me if £8k - between my husband and I we may be able to raise an additional 2K from our family - so we could potentially raise £10k. I asked my IVA co if this would be acceptable and they...

Sorry jpj - must have been typing our replies at the same time. I agree with you in terms of the length of time to pay the remortgage v paying off the IVA - however, if we do manage to finish with the re-mortgage then we will paying £300 pm less then we are paying with our current provider. My think...

Many thanks for you replies - KAYKAY - This is what I thought of doing but was put off slightly by the IVA company stating that by making an offer of a F & F that was quite a lot less than originally required it would be likely that the creditors would refuse the variation. Their thought were that b...

No problem - I understand and will wait for one of the experts to come along.