<t>should I be concerned, I'm in month #54 and have sent my mortgage figures to my IVA company (Freeman Jones) as they requested them back in May, now they would look at the on line values of houses etc and do the usual for the equity and the next steps...…….but I haven't had anything back from them...

I feel a little down in the dumps at the moment, with Christmas just completed and limited funds always hurting....but its the way it is I will be entering my 4th Year of my IVA and the light at the end of the tunnel is still a long way off, it feels like the 18 or 19 mile mark in a Marathon.......n...