I have now been in contact with a reputable local mortgage broker and he is willing to see if he can help me. I was probably being naive as I have never had any experience with IVAs and just thought at the 2 year point I could remortgage, pay them the money and continue on. So many lessons learned i...

When I took out the IVA, HMRC initially rejected it then came back with this modification. I was just so relieved and without really knowing the difficulties I would face in getting a re-mortgage agreed to the proposal. Now, 2 years down the line and after reading this forum I feel my options are no...

Thanks for your reply Lisa and Foggy, Now I am scared! I suppose there is nothing I can do until I find out if I can re-mortgage. My intention was to do everything in my power to repay as much as I can. If the re-mortgage is refused I will just have to put my faith in my IP to fight my corner and ho...

Hi all, I wonder if I could ask an opinion on my equity clause please. I am coming up to my second year point in June and as HMRC was my biggest debt they added a few additional amendments to my IVA. My IVA was for £95,000 and my payments are, 1st year £1300 per month, 2nd year £900 per month and th...