Many thanks for your advice - I feel more comfortable with the situation now.
All the best.

Thank you for the comments - would you normally expect to talk directly with the the debtors you are dealing with? I have had no direct contact with my IP - everything comes thru the company and everything takes an eternity to get sorted - I guess because letters etc are sent to the company then for...

I am with Debt Free Direct and the section from my IVA agreement is as follows:- On expiry of 4 years from the date of commencement of the arrangement and no later than 6 months before the intended completion of the arrangement I shall commence steps to effect a remortgage of my equitable interest i...

Thanks for your prompt responses. To be honest we find it very difficult to communicate with our IP as we seem to be isolated by the company that arranged the IVA. We can afford the repayments - it's a struggle, but the I guess the part that worries me most is the remortgage clause during year 4. Ca...

Hi there, I keep getting letters from various companies stating that they can help with my current IVA by potentialy negotiating lower rates, change in terms etc. What do you think of these types of claims? Is it possible to do this? I'll admit that I'm not very clever when it comes to finacial matt...