Thanks Michael,

I will pluck up the courage and call my supervisor tomorrow.

One more thing my IVA is with Freeman Jones. Are they likely to help?

Hi Michael, I am already in my 56 month and IVA was due to finish in October this year when I was hit with the bombshell about having to remortgage etc or carry on for another year but I have heard nothing from my supervisor since. I don't think I can carry on another 17 months hence the help being ...

Hi, it's a long story but to cut it really short someone is willing to gift me £5000 as a full and final settlement. I have 17 months left in an IVA and the repayments are £290 a month which totals £4930. Do you think this will be acceptable. I know I will have to speak to my supervisor but I am ...

Thanks for your help Shaun.

Would you have any idea what kind of payment I could offer as a full and final settlement. I will reach the 54 month in April.

Hi Melanie,

My property is worth around £300,000 and my mortgage is £170,000.

What my concern is that how can I afford a re-mortgage. My current mortgage is interest only so it is reasonable low rate, which I can just about afford.

Will the amount I have already paid over the past 4 years be deducted off the IVA

Can I sell my house and if so how much will I have to give to my IVA. I have been in the IVA for 4 or so years and was looking forward to October 2014 being 5 years. I was told in January that I will have to carry on until October 2015 if I can't remortage, which I don't want to do