Thanks Melanie, I will try both as they may have a slightly different panel of lenders to source from.

Many thanks Luluj.

Thanks Lesley

Seems strange as I know his details were there within the last few weeks.

Hi everyone. I was wondering if Ryan is still at Zebra money, as I cannot find his name and email address amongst the experts section and am looking to see about a shared ownership mortgage, 14 months after completed IVA. Thanks for any info.

Oh, and by the way like yourself, despite finishing my IVA in march, I still log on to the forum each day to see what is happening, and like yourself, maybe occasionally someone will be going through the same situations as I encountered though my IVA and perhaps I like yourself can give the occasion...

Loyely post Brokebryn, so glad you are now finally debt free! I was with Payplan for 5 years and had a lovely case worker Jack Heathershaw, I could not fault Payplan, and had a good IVA with them with no problems and received my CC in march this year and am finally looking forward to my debt free fu...

Sensible77, like you I have a positive future to look forward to post iva. It is not always easy but is infinately better than the future I had before my iva. I look forward to my future now x

Contrats sensible77. I was with Payplan for 5 years and received my completion certificate in March this year. Have to say had no problems at all with payplan and my caseworkers were all very helpful, and my certificate was received whilst my final ppi claim was still going through. Looking forward ...

Congrats on getting your certificate!! I made my last payment last july and ppi has gone through. Case worker confirmed all payments made and will issue certificate as soon as possible, so fingers crossed!! Can't wait

Me too!! x

Hi, I have been with Payplan for the last 5 years and am just waiting for completion certificate from them. I have to admit I have not had any problems with them at all, I have had about 4 CO's over the course of the IVA but I have had my last one for the last 2 years and he has been brilliant, alwa...

Hi, I completed my degree last year and was in an iva all the way through, and yes you do need to declare any student grants, bursaries etc. as they are considered to be income. Good luck with your studies!

Totally agree with you Kaykay & Niobe. Melanie and the other IP's who post on here do so freely in their own time, and are generous with their help and information, without which this forum which is a huge source of help for many people in difficult situations, would not exist.

Well Done!!

I made my last payment on my IVA on 1st July and this is the first month that no IVA payment has been taken from my account in 5 years. It has been a struggle at times but can now look forward to the future which seems a lot brighter now![8D][8D]x