Our IVA finishes in October after paying for six years. We had an extra year to pay. Is there any way of getting a better mortgage deal when it does finish. We are with NRAM which took over Northern Rock. We currently pay £580 a month which really stretches us. We have'nt been able to get a better ...

We have just been sent a letter today from our IVA practitioner which has really knocked us for six and come like a bolt out of the blue. We are in the 4th year of our IVA which we were looking forward to finishing in October this year. I will write below what the letter says: "In accordance with th...

Just spoke to my administrator and she says that they cannot give out the CCCS allowances.I just have to make sure that I log all expenditure down which goes out of our home. Seems crazy to me that I don't know what areas I can add into my expenditure which are acceptable to creditors.This is the re...

Thanks very much for that. I understand what this 50% thing means now.
Kind Regards
David.

Thanks very much for your reply it was very much appreciated.The reason she gave me for saying that our payments could not be reduced was after I had given her my I & E figures she noticed there was a small amount of money left at the end of each month. She said that this was disposable income and c...

I am a postman earning £19000 a year gross and my wife and I are in our third year of an IVA this October when we have our annual review. We have been really struggling financially especially for the last eight months and are already one month in arrears with our mortgage.We desperately need more i...