not sure I understand those terms ! beneficial interest and negative equity.

hi there..just wondered what you meant by 'slipped away'?

They have now wrote me a letter asking for most recent wage slips and bank statements.

Ive seriously been thinking of BR...to save all the hassle.
How will it affect my career?
Will I be able to keep my house? I have mortgage.
or is it best to see the IVA through?

Hi Darren
Sorry to hear of your loss

Im in IVA and have thought about br. What did you mean when you said that now your home is yours? did you own your home and manage to keep it somehow?

i'm with DFD and found they were great origionally...now, I find them alot less helpful. I wish i had went with a smaller company or an independant IP cause then the process would be alot more personal...I can never get to speak to the same person twice at DFD!

ita a complete muddle to me too!! Ive spoke to the customer care team -again- and now they tell me i dont have to complete the income and expenditure forms ...they will retrieve the info i sent to them at my yearly review. Still couldn't get to speak to my IP though! i've been told to wait until the...

Hi I just had my yearly review and I too was really nervous about it. Some of my circumstances had changed but it all turned out fine....nothing changed with my payments. It was stressful filling the forms out and preparing the photocopies of my payslips, bank statements and evidence of increase or ...

Hi I know what you mean about never going out! seems so unfair. Sounds like an awfully big monthly payment you have been making...I am no expert either but BR sounds like an option for you. You really ought to get a professional opinion...someone from this site will advise you soon im sure. Good luc...

Are you saying that they are going to fail the first IVA and represent a second one? Make sure that this is properly explained within the second proposal, and the reasons why this is being done are well documented by your IP. How embarrassing for them to have to do! Regards, Melanie Giles, Insolven...

I'm with debt free direct (DFD). I definately haven't missed any other payments...the reason for increasing my payments and extending the term of the IVA was so they could recover the arrears and cover the cost of the variation meeting. I have contacted them and they have apologised for not liasing ...

I also had this worry about my months wages being credited into my current account instead of my new cardcash account...I was worried sick especially as payroll weren't sure if the details had been changed in time! Luckily the wages were paid into the card cash account. I had waited way past midnigh...

Mikebdomain... thank you for your advice Gavin....I obviously wouldn't have spent the money if I knew they were waiting for it!! I certainly have learnt from that mistake but I can't turn the clock back! jpj...you got it right! you seem so understanding..thank you. melaniegiles...I made a mistake at...

Thank you to Debbie, jpj and andydavie for taking the time to reply, i really appreciate it. YES I am sure as I can be that an IVA is right for me. I didn't just decide on a whim to do an IVA! The process has been a long, drawn out, complicated, stressful and hugely upsetting time. posting amended b...

thank you for your replies and I apologise for not stating the facts clearer. Yes I was aware the IVA had been accepted but I was never informed of a start date. I had returned all my bank details as the company requested but the payments never left my account. 4 months passed by and I became concer...

At the begining of my iva i missed some payments (as i was not told that the iva had commenced) and consequently i am in arrears. I increased my payments and agreed to increase the tern of the iva by another year. That was 6 months ago. Now they are telling me i am in breach of the iva as i am in ar...