Hi I private rent through a letting agency and when I informed them about me being in a iva they told the landlady and she was absolutely fine about it but asked if I could have a guarantor which luckily my husbands father did for us but we always pay our rent every month with no issues. As long as ...

Thank you for the reply, that’s ideally not what I wanted a payment break as before they lowered my payments but they added the extra year on top to make up for it now I’m paying more I’m still stuck with the extra year.

To add:
I’ve asked my managers for lighter duties or come off night shifts and they have refused, they know about my back pain because I pulled my back out at work during helping a resident.

I’ve been with Creditfix for 3 years now and all okay for the moment, I’ve been having back pain issues due to my demanding job (care assistant) for 9 years constant appointments to doctors etc and I’m struggling at my job tremendously I can’t cope with the work anymore. If I put my notice in work a...

Hi I’m with Creditfix and 3 years in now and I personally haven’t had any issues with them at all. When I’ve had money issues or change of house/work place they have been quite helpful and do a change of circumstances/money form over the phone with me. With yearly reviews I do it all through emails ...

I just got the same text I pay £129 a month and they said it can decrease to £86.32 but they want 23 months extra on the Iva which would end 06-09-27. I have refused and said no. Purely because they already have made me add on another year to make it 6 years I’m not happy to add nearly another 2 yea...

With the household bills are rising and the wages not upping it’s a tough time at the moment. I just had my contract phone, energy supplier, and soon enough council tax bill all rise this month and my part time wages remain the same. Im hoping all our Iva’s they will understand how can this be possi...

Thank you both certainly did brighten up my Christmas but more so my week as was my birthday yesterday

Final update: I sooo happy today at lunchtime the letting agency called and approved that I can have the house 😁 regardless me being in a Iva it surely hasn’t stopped me getting a new home I do believe really helped I was honest upfront but also managed to get a guantour . But I do move in 3 weeks t...

Oh wow that’s amazing that a landlord had experience what their tenant was currently and understood :) Should be told that answer by Wednesday fingers crossed 🤞🏻 will keep you guys updated. Would like to thank you all again for listening while I blabber on about my Iva and challenges I’m facing or h...

UPDATE: So I applied for the house I viewed and was completely upfront before even putting application forms in for the house about my Iva my estate agents was very understanding (been with them 5 years) and said that doesn’t really effect too much it’s landlord choice if they want you or not but my...

I currently rent a home through an estate agents but when I first rented this home I wasn’t in a Iva. Now I am 2 years in and I’ve found another house same rent price with the same letting agency I would like to view and apply for. On the application forms I’ve noticed it says you must state if you ...

I think my 5 minute panic is definitely over when I over think the Iva. And really helped speaking to you all and your experiences and advice has really gave me a positive outlook on things this isn’t forever just a few more years and then I can move on and start over but the right way. So can’t tha...

Thank you for all your experiences and how your life’s are now it’s nice to hear and read stories of how people feel at the end of the journey and made them feel. I didn’t really think of it that way next year I would of done 50% (3years) and only another half to go (3years) Just a long journey but ...

Thank you all for the comments and advise given. Totally agree took me a few years to rack up the silly amount of debt I was in and then a Iva felt like freedom to me which a one time payment monthly for the next 5/6 years.(which would be a normal loan from a bank for example) but I didn’t think of ...