<t>Hi all again ..Checked my credit report and noticed some credit has dropped off have looked and printed of my report and it’s gone ! .Currently going through the process of sprout loans to do a F&F settlement , only have 18 months left not sure I will be accepted as I have a high debt ..not a...

<t>Hi all I have been in a IVA 4 years 5 months with 1 year 8 months left . Has anyone dealt with sprout loans to get out of their IVA? The thought of having to do another review fills me with dread cos every year they always put my payments as higher. I've contacted sprout loans and got through the...

<t>Not posted for a while but writing for a friend ...not sure I am allowed to post on here ..my friend as been in a dro and ended 18/9/20 Momentum period ended .. credit file says discharged but debts say open all the debts were included including a ccj...will she have to pay these debts back inclu...

Hello everyone
Decided to take a payment holiday for two months as on sick leave , can I pay the shortfall back and how soon ? As this will take me further to finish my Iva ...the thought of it lingering on !

<t>Hi all <br/> I have got a problem that is really bugging me , I had my review back and they say my income is £930 can earn up to amount but can earn £200 less most months so really struggle to make ends meet and put money away for intended sundries and direct debits and food <br/> My earnings are...

<t>I have been in a Iva for 3 years 3 years left to go , I have just had my annual report , payments have stayed the same with £129 disposable income don’t know what that means ? I look on my account and see a payment that has a extra £50 added on with no explanation ,and an extra year added on maki...

I have been in my Iva for 3 years I have 3 years left , my partner ( we live separate ) has offered to pay the Iva off where do I stand and how do I go about this ? Is there any costs in this ? Some of my creditors also didn’t vote in at the start of my Iva ? Not sure what this means ?

Thanks for your reply ...yes it will be quite a lot at the end of the 4 years ( £50 a month for 4 years ..only allowed 1 savings plan in the 4 years £1.200 Interest ! They haven’t questioned me as they have seen my bank statements ..

<r>I am in a Iva 2.5 years after a year my health deteriorated With arthritis and fibromyalgia and had to change my job due to my feet and legs hurting plus the stress gave me flare ups ,was on a good wage <EMOJI seq="1f600">😀</EMOJI> because of low income I was eligible for tax credits I al...

Hi bubbly , I’m been with my Iva for 2.5 years and with freeman jones they took over from Harrington Brooks good company but have to be strict what you spend ...be careful what you spend ! Any extra earnings or overtime you have to declare ...good luck !

Will ring and find out tomorrow , had no letters of such , Thank you for that.

I paid what they asked me for they did another income review over the phone which I found weird so if I breached by not paying enough what they asked for would it automatically be discharged ?

It says it’s still current , I had some issues a few months back as they wanted to increase my payments by treble so I cancelled my DD but payed by the payments auto line ...

Just checked my clear score credit file been in a Iva for 2.5 years and it now says “ discharched undefined “ I’ve 3.5 years to go ? Not had no letter to say it’s finished ??