Thanks for all your advice. I was thinking of changing my phone number but I've had the same mobile phone number for 13 years and when I was going through all the trouble with setting up the IVA 3 years ago, I never had to change my number so I'll be damned if I'm gonna let some rude ignorant people...

Hi all...haven't been on here for a while. Hope everyone had a good xmas a wicked new year!! anyway quick scenario... I have been in an IVA for 3 years and recently have been receiving phone calls from a company called Credit Solutions Ltd (CSL) who are a debt recovery company. Apparently, one of my...

everything's crossed!!

just a little bit of good news. Future Mortgages have now decided that they are happy for the 4 year equity release clause to be transferred to my new property!!

There is light at the end of the tunnel!!

Let's hope my variation meeting on 1st July with DFD is equally successull...

hi jpj you've been helping me with my f+f questions.

can i ask what were your circumstances that prompted you to go for a f+f

looking at my situation it feels as if i will have to continue to pay into my IVA forever and have no option of ending this miserable issue.

thanks

ok thanks...i'll just wait to see if the variation meeting is successful on 1st july and if future mortgages agree to the 4 year equity release clause being transfered to the new property.

thanks everyone for your input

i don't mean to drag on and on but what would be a high offer?

would i need to pay back the entire debt of £43k minus whatever I've paid at the moment or would I have to pay the agreed IVA amount of 0.38/£ which is about £25k which includes the IP fees of £7k?

melanie did you see my previous post about giving all the equity from the sale of my house to my creditors and having to continue IVA payments for the duration?

what do you think?

jpj i have no relationship with my IP as i'm not allowed to talk to him but that's beside the point. i understand what you mean about contacting the creditors direct. charlotten, it beggars belief how incompetent DFD are. i've been trying to sort out a variation since february and it seems to be get...

that's right melanie. that's why i was looking at a f+f but if i give them all my equity which is nearly £20k that i am supposed to be using as a deposit on the new house, i thought I wouldn't have to pay anymore into the IVA but i've been told otherwise. so basically i would have to give my credito...

guys i've only explained part of my situation my house has been sold and i'm waiting for a variation meeting to take place to allow for the land registry restriction to be removed so the sale of the house can proceed. i'm also waiting for the 4 year equity release clause to be transferred to my new ...

hi mrs skint

yes believe it or not my IP is andrew redmond.

can your IP refuse to speak to you??

do we not have a right to talk to him??

thanks melanie...i actually spoke to one of your team today who was very helpful. i think i have misunderstood the whole full and final settlement thing. i thought it applied to everyone but obviously not. so what if i wanted to end my IVA early? would i have to pay back what i owed in the first pla...

hi viki.w

is it possible to speak to melanie at her office?

DFD are no help

oh rayb

i've been paying into this IVA for 2 years and 3 months and aparently I'm not allowed to talk to my IP. I have tried for 2 years to speak to him but have been told that the IPs do not speak to their clients!

What a joke!!