I have another question which no-one has been able to answer, all I get from my IVA company is that its Creditors guidelines. I have been paying my IVA for 4 1/2 years, each review I get a basic pay rise for cost of living and they take the extra off me, yet cost if living, despite increasing grealy...

I started my IVA in Nov 2009 and now in my final year. There has been a few months during my arrangement that I havent been able to make the full amount and by agreement it has been added to the the end of my arrangement. Recently I was asked to release equity in my property to which I couldn't and ...