Hi, my husband and i completed our IVA's last October and have received our completion certs.During the last couple of years we assisted in claiming PPI refunds and some monies was paid into our IVA. We also provided information on Barclayloans that had finished before we took out our IVA. (THEY WER...

How does a full and final payment offer work? What is the longest period an IVA can run?

'deminimis clause?' Please can someone advise me what this is?

Thanks for your reply. The money would have to come out of our pension lump sum. We have been struggling for some time with health problems. We would be entitled to and would receive full pay for 6 months if sick, and would then probably have to finish working. If we did approach our IP regarding as...

My husband and i have paid 64 payments on our IVA and have to have a valuation done in June to ascertain if we have to extend a further 12 months (taking us to 7 years). My question is : we are both experiencing health problems which may well force us to consider retirement earlier than we had antic...