I am 20 months into an IVA - total IVA including Supervisors fees is c33000 and I pay £550 per month. I have three questions: a) on my credit file, the creditors wrapped up in the IVA still appear as individual creditors with default figures and outstanding balances which makes my file look even wor...

Hi, I have just today had my IVA accepted: a) one co has put a clause in saying that if they repay me any money back ie due to me challenging them on bank charges and interest, it goes immediately to pay of their balance only, which is fine with me. This co, RBS who own Nat West, had not sold the de...