Firstly thank you for the replies. My debt is approx £21,000 and our home is worth approx £84,000. I paid £122.26 this month as that is the surplus amount but received a default as it was not for £153.00 they are asking me to pay. I have approached them about this and they just said we need your cou...

I am just entering my 2nd year with payplan and have already gone 1 month in arrears and had a 3 month payment break. I have also just done my annual review which states that after my expenditures I have £122.26 surplus yet they still want £153 a month. I also have been told that £50 that I pay to m...

Hi Sylvia
Can you please tell me what happened when your IVA failed ? Did the creditors put a charge on your house etc.
Interested in your thread as i am thinking of letting mine fail. I jointly own a house with no mortgage.

I have £23,000 of debt and 21 creditors the most i owe for each creditor is £3,600 if it fails will my house be safe as it is jointly owned with no mortgage. Plus can i contact each creditor and offer a monthly payment instead of having an iva or dmp. I am just not getting any support or help with p...

I could not disclose it as my son in law got a loan which i am guarantor for but he loaned me 1,500 out of it. I pay him £100 a month back. So the best bet is to draw it out in cash each month ! Thank you

Do you have to supply yearly bank statements when you have your yearly IVA review. If so does it matter that there is a standing order of £100 to a family member which was not included in your budget.

will do Foggy thank you

Hi all,Just to let you know my IVA has been approved. I have to pay 72 months instead of 60 so i dont have to re-mortgage house. I feel so relieved but also scared as i know i can't miss a month, and we just don't know what the future holds work and health wise. But fingers crossed in 72 months i wi...

Thanks will let you know in a while what my outcome is

Thanks for replies.
Will this creditor know what the others have voted or are they all in the dark until they get told we have the 75% or more

No not with creditfix, i am with payplan. I was on a DMP with stepchange but the interest was just mounting and i thought this is never going to end, so sought other avenues. I just want to see an end like everyone else on here.

<t>My creditors meeting was yesterday at 3pm. I phoned at 4.30pm as they said it would only take approx 25 mins then they would phone me directly afterwards, which they never. Anyway outcome was it has been adjourned until today at 3pm because of 1 creditor.<br/> I thought you only needed 75% value ...