We started with Blair Endersbury but got transfered to Grant Thorton.Maybe weve both been a bit stupid as neither has been in a situiation like this.We never understood when we had no arrears on any cards we were told to stop paying them stright away?????which put us stright into arrears

Thank you both so very much for your help.I think weve already got our heads around the fact we will proberly have to pay the extra year as there isnt much equity on our home.At least we are on the right side of the tunnel now and we will be free of all our credit card debts.We entered into the iva ...

Happy New Year first of all We are due to start our final year of the iva from April 2014.We are slightly confused by the fact that we will either have to remortage or pay an extra year.Why?we have no desire to remortage and as there is already a remortage it would look doubtful (age is not on our s...

Now Im really confused having read this.I know its last year BUT noone said anything about selling our home.We have a large remortage on it already so a remortage is out of the question.Starting to panic we didnt owe any arrears on our cards.I phoned as we wanted some advise on only making min payme...

Well done I bet it feels great.Wish all the best for the future.

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by KAYKAY Congratulations. After the final payment leaves your account, wait a few days for it to clear, then call your IVA company and confirm receipt of the funds. At this stage, you can then ask them i...

Seems theres alot we didnt know.Like an extra year on the iva or remortage we truely thought April 2014 would be our last year were GUTTED[:(]

I didnt think you could have an overdraft????in fact any sort of debt whilst paying your iva.We have committed 100% to staying within the budget allowed us each month.Its not easy at all but hopfully it has taught to live without credit cards (we never did have an o/d) just blikin cards GRRRRR

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Foggy It is usually pain over monthly (most proposals say within 14 days). Is hubbie paid weekly or monthly ? Also check your paper work to see if it is a straight 50 / 50 split, or if you also get the...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by MelanieGiles It is a shame that this is becoming a more common issue Foggy - and this makes the choice of IP firm in the first place of paramount importance in my book for a successful five year experi...