Dear all, Thanks so very much for your replies guys, and Ryan & Shaun if you read this, what is the best way to tcontact you?.. Well, the Financial Advisor from L&Q Housing association (SRC) told me that Leeds Building society said that I actually needed to have satisfactorily completed the IVA for ...

Hi All, I guess I am just going to vent my upset on the forum re trying to get a mortgage for a shared ownership flat having had an IVA. I am 41, employed full-time, stable and with a good salary. I was just allocated a shared ownerwhip flat in London and I thought this is it! I am going to finally ...

I just receivd my 'Certificate of Completion' from Grant Thornton and I was wondering what to do next to sort out my credit file? - I am very wary of 'trusting' the creditors to just update my credit file with Experiean, Equifax, etc.... Anyone can share their experiences and perhaps offer some guid...

Hi All, I am about to end my IVA (November). It has been gruelling but I am glad it is about to end. However, I am very distressed today as out of the blue I received in the post a letter from a company called Mercantile Data Bureau Ltd claiming to be acting on behalf of Barclays (one of my creditor...

Thanks Melanie. I have contacted my IP now. Waiting to hear from him.

Wow! absolutely... here we come freedom!

Thanks guys for your messages. I do think, however, that they are still struggling quite a lot. It is actually a little worrying that they say they send you letter (that never arrived) and called you (no voicemails or lost calls)... The very disturbing thing is that Accuma passed my IVA with about 2...

Thanks so much guys, and Melanie I will speak to my Supervisor. I will let you know how I get on. Happy new year! xxx

Thank you very much Melanie for your advice and Helen for your lovely thoughts. Melanie: I am a little scepctical about talking to my IP as I have always had the feeling they are actually more on the side of the creditors (or their own side sometimes -given they get quite a lot of the money I pay mo...

Thanks ever so much Destiny!

My IP's name is Matthew Thomas Colbourne Frayne and have looked up on the website provided but could not find it somehow... Perhaps someone who knows him could provide me with hsi email address?... Thanks very much.

Thank you very much for all this info guys. Ian, if I could get your email address and you can help me get through to them I will be more than grateful. Also, when they were 'on my side' they negotiated my terms really badly. Apparently you can get down to 25% of the total debt. Well, my debt was £4...

Hi Ian, I am in a similar situation to Ange77, although I have not stopped the payments. I am paying around £371 per month on a £43K debt. I am entering the end of my second year, and my rent payments have gone up from £550 to £675 due to different circumstances which I have nto been able to avoid (...