Obviously credit by way of a mortgage to purchase your home is necessary. I was saying other credit ie credit cards or loans etc are morrally wrong.

Thank you for eveyone's help & Support xx

when in an iva you are not supposed to take out credit during the term of the iva. If your selling your car then im sure the proceeds of that are classed as a windfall therefore payable into the iva. Although i understand your car may be a necessety to you. But the idea of getting into an iva is to ...

sarah i am really pleased it has all gone well for you and you stood your ground knowing what terms you could meet realistically. hopefully a lot of new posters who read your posts will begin to understand that it is down to them to set their I+E realistically and not be led into an iva on such a t...

Hello I read with interest the part about not accepting paying for an additional year. (6 instead of 5) We are in the process of proposing our IVA, with little equity in our house and three young children. Maybe we need to speak with our IP if this is a possibility for us too. Our kids will be 14, ...

Thanks Andy There was just no point in agreeing to unafordable terms only for me to fail the iva due to hardship. I had to stand my ground with the creditors. Obviously i out of moral peice of mind and feeling i had to do the right thing i chose iva as the best course of action in paying my debts, a...

During the negotiations they also wanted me to pay in for 6 years i said no.

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Just transfered my iva payment to another account so i dont touch it cant wait to pay it now..never thought id look forward to paying a bill lol

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Hi Melanie

Halifax and Hsbc i beleive voted via their representative. They were my major creditors and the other smaller creditors didnt vote.

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Thanks Andy xx

Thank you for eveyone's help & Support xx

Great news! Did your creditors seek to increase your contributions at all? Regards, Melanie Giles, Insolvency Practitioner for over 20 years. For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk Hi Melanie The original proposal w...

perhaps tonight i will be finally be able to get some sleep ..maybey not im too excited lol xxxxx

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Am today a really happy bunny! MY IVA HAS TODAY BEEN ACCEPTED!!!!!! woohoooo pleased as punch. Just goes to show i stood my ground and got what i wanted in the end. Thank you so much to EVERYONE for their love and support throughout what has been a hellish time. Am still in shock and am sure it wil...

Hi Melanie thanks for your reply xxx the home i live in with the children is in my sole name no secured loans or anythng against the property or mortgage. The old family home mortgage is in joint names with no additionalsecured lending against it other than the mortgage. Thank you for eveyone's help...

Thanks Lilly will keep everyone informed as to the outcome xxx

Thank you for eveyone's help & Support xx

As most of you know im going through the process of an iva at the moment. Need a bit of help will try and keep this short and sweet and concise lol. Seperated from my husband 18 months or so ago. Prior family home in joint names, he lives there alone now. He has been paying mortgage i have not contr...