<t>Our payments ended in January and we are waiting for our completion certificate. For the majority of the 6 years we had a really good supervisor and had no problems. Our supervisor retired and another company took over the IVA last October, and they are currently dealing with our completion. Ther...

Thanks Kallis, i was surprised to see it come off our credit report so quick, but then disappointed to still be on the register for another 3 months! we are hoping to get a small loan to replace the car as ours is on its last legs, my husbands credit rating is above average now the iva has cleared, ...

<t>We have finally completed our IVA after 6 long years! It has already come off our credit report however we are still on the insolvency register. On the register there is a footnote that says "Individual Voluntary Arrangements will remain visible while they are Current, and for a period of 3 month...

Hi, we are just 4 months away from completing our payments on our 6 year IVA, and we have had a letter to tell us that our IVA has been transferred to Beesely & Company. Just wondering if anyone has any experience of them? We were on very good terms with our previous supervisor who has been very sup...

Hi Niobe, thanks for the tip, i'm already doing them when i have the time, but i think i will look round for some new ones as i found some of them quite frustrating when i got entered in to prize draws insted of geting points. The vouchers i got so far certainly dug me out of a hole when it was my n...

I got one of these this morning too, we are 8 months into our IVA and thankfully i now have quite good knowledge of how IVA's work, only due to what i have learned on this forum! But my hubby hasn't got a clue and he thought what they were supposedly offering sounded great, so i can see how people c...

Hi Steve, we are also in our first year and have also be quite worried about Christmas, we have 2 boys aged 2 and 4 and they aren't to much of a problem as they are quite use to getting second hand toys from ebay/car boot and aren't at all bothered infact they never seem to notice. However i have 10...

Oh no that must have been awfull for you. Hope you are ok. Thankfully we have never had a debt collector turn up, but i do worry about it. If i get a knock on the door or strange car turn up i wonder who it could be. we started our IVA in feb but still have Very phoning us alot. I give them all the ...

we had an £800 tax credit refund due to underpayment for the last financial year. Our IP treated it as extra income so we kept the first 10% and split the rest 50/50. it may be worth asking them to reconsider, no harm in asking, although perhaps i was just lucky! I was on maternity leave last year w...

i know what you mean, i felt really alone when dealing with all our debt, family and friends didn't know the extent of our debts and hubby just thought if he ignored it all it would go away! If you are already in an IVA i would think it would be in first plus interest to let you sell the house, as i...

The short fall would have been £18,000 but we ended up owing them around £25,000 and a further £10,000 to our mortgage company (this would have been paid off if first plus had allowed the sale) with handing the keys back it took about 10 months for the house to sell so we were 10 months in arrears w...

Wow, £50 is a lot! We asked for money towards our honeymoon when we got married. I seem to remember most people gave £20-£30. We went to a wedding a couple of weeks ago and the couple asked for vouchers. I new we couldn't afford even £20 after paying for fuel, hotel and outfits so we bought them a p...

Hi Yummy Mummy, sorry to be negative, but we were in a smiliar position with first plus prior to starting our IVA. We accepted an offer on our house only to find first plus would not allow the sale due to a short fall owed to them. We ended up handing the keys back to the mortgage company. Have you ...

Thanks everyone! I like the idea of the gift card too, i think i will start one so we have some food money set aside, and then if we don't need it i can use it at Christmas. The day actually carried on the way it started as i got a nice bottle of perfume for £5 in boots which should have been £28! a...

Just spoke to IP, we get to keep the first 10% and the rest split 50/50 which i am happy with. he did say it could have been classed as a windfall which would have meant paying the whole lot over but as he saw it, it was more like a bonus or extra income payment which i'm happy with. I'm not doing a...