I have just had my fourth annual Review. I was sent the paperwork quite a bit earlier than usual and have had to wait over two months for the result, which has caused me a bit of stress(I worry a lot!).I had had some really good advice from this site and also it has helped to just read other posts. ...

Hi, I took a promotion in year 2 of my IVA. I was able to keep 50% until my review then i had a new income and expenditure at annual review. I was better off than year 1.I work more hours with load more stress-just focusing on the end of my IVA.I took the promotion for my personal development as i d...

Thank you for the replies.

Sorry, but i have another question regarding the 4th Year Clause.Here is my situation: We have just had a valuation and have discovered we are in negative equity .Our iva has already been extended to 72 months because it looked like we could not meet the minimum dividend but things turned around for...

I know what its like I worried for a whole bank holiday weekend after receiving my first annual report!.There was a misunderstanding with our first payment date which put us in arrears,it was not mentioned to us until then.

You have proof that you have made all your payments so try not to worry-I know its easier said than done.Hope you get it sorted out soon.

Good luck.I am sure everything will work out for you.Keep positive.

Thanks for your advice and support.Year 1,2,+3 were fine.There were big changes last year but as i said i was able to keep some of the pay rise to match the increases. I hope they take the same approach this year.I hope your reviews go smoothly too.Thanks again.

Hello everyone, It's my fourth annual review and again i have the long wait for the outcome. I was lucky enough to keep some of my substantial pay rise at my last review. Last year i asked for my expenditure to be increased but was told this was not allowed due to expenditure being a fixed amount bu...

I have just had the valuation done. I felt really terrible lying but it's done now.The agent said he will be sending me a letter next week so i assume that it will state how much it's worth.Thanks again.

Thank you for all your very helpful replies.I am going to book a valuation with an estate agents, hopefully then i will get a written valuation.I am not looking forward to pretending i want to sell though.Thanks again.

Hello, I am required to prove how much my house is worth now that i am at the end of year 4.Can i prove how much it is worth by sending in for sale ads found of similar local properties from estates agent websites. I cannot afford to get it professionally valued and i am not convinced i will get a w...

Thanks for the advice.What a shame on the timings, still i am getting there!.

Due to redundancy and finding a job with lower pay my IVA was extended for twelve months.Only a couple of months later i received a payrise and was able to pay the original monthly payment. This now means i will be able to pay the 50 % dividend i originally agreed by the five year period. I am reach...

I have just e-mailed them. Lets see how long it takes!Thanks.