I currently live in a flat that my girlfriend owns on her own. When my IVA finishes we are planning to move and get a joint mortgage together. Now thankfully, unlike me, my girlfriend has an A1 credit rating. I have been told that initially after my IVA finishes that it will still appear on my credi...

I currently live in a flat that my girlfriend owns on her own. When my IVA finishes we are planning to move and get a joint mortgage together. Now thankfully, unlike me, my girlfriend has an A1 credit rating. I have been told that initially after my IVA finishes that it will still appear on my credi...

My turn this morning to receive a letter from 'The IVA Council' advising me that I may have been mis-sold my IVA. Wasn't sure if this was a genuine letter or an attempt to con me. The bit at the bottom of the letter saying: 'Important: if you wish your case to be reviewed please do not inform you IP...

Debt Free Direct

When I had my first IVA review done recently I felt it was worked out incorrectly. My IVA proposal said that I would receive 50% of any additional money I had received. This did appear to be how they had calculated my review. I wrote to them complaining and asking for clarification and received the ...

Paying as much as possible to my creditors had nothing to do with why I chose an IVA over Bankruptcy. It was basically to save the hassle of going through bankruptcy and the hassle of losing my bank account. Also it was because my IVA people always said it was far worse to go through Bankruptcy than...

So from what I have read if I have a pay rise then my IVA is entitled to all the increase in wages less increases in expenditure and in my case I get to keep the first 3% of my pay rise to allow for inflation. The big question really is what happens if i get a new job with better pay? I am currently...

I have just had my first annual review and my monthly payments have increased. They have worked it out by giving me the 1st 3% of my annual pay rise. After that they have taken the extra amount my pay has increased by, they have then taken the increase in expenditures off that amount and what is lef...