Hello, can you please advise me. I was in an IVA, which ended earlier this year, I have my Completion Certificate dated 12th July 2013. I have contacted Experian to adjust their records on my credit file, only to have received a letter from one of my creditors stating that they have sent a cheque fo...

I was in an IVA for four years, but because of a change of employment and lower income, I had a meeting with my creditors to reduce my payments, and in return, the IVA was extended to Five years. However, because of continuing ill health (heart attacks) and various other ailments, it was possible th...

Hello, I have been in an IVA for over four years, at first when i took out the IVA, I was earning good money, BUT unfortunately, changed jobs which meant almost half the wage, so i requested if my IP, could reduce the payments,My IP did NOT respond, so after complaining on this site, one of the expe...

Hello, following advice i received earlier in the year from the members and experts in the forum, i sent a letter to my IP personnaly, requesting a variation meeting with the hope of reducing my payments, my letter was passed on to someone else in the company to deal with, and after a month, i got a...

Thank You Melenie,
wish my IP was as informative and honest as you are, you have made me think !!!!, and i know i have got to think this all out sensibly, and come up with the right solution. Many Thanks for your time and trouble.
very kind regards
Warren

Thank You for replying, the problem that i have is i live in a Park Home (mobile home) and bought it with a friend ten years ago, so we are half owners of the home, obviously, it is deteriating in value each year, as unfortunately they do not hold prices as a proper house would. it is worth about £3...

Hi, please can someone advise me, i have asked before and everyone has given guidence, which i have followed up. on previous advice, i requested a variation meeting with my creditors, and have now been informed that my IP. has looked at my circumstances, and are willing to reduce my payments, BUT, i...

Kallis3, inaiva,maz and ladyh, just like to say thanks for your support,and would like to explain why DFD asked for a letter from my employer. I had just started a new job, when i took out my IVA. The new job was on six months trial, and unfortunately, it did not work out,so i left it. I telephoned ...

Thank You so much for replying, its great to know someone is there when a problem occurs. I am with Debt Free Direct, and i can never speak to my IP when i call them, all i get is someone that gives every excuse under the sun, but NO actual help or advice. They keep asking for Payslips, Letters from...

Hello, please can you help, is there an ombudsman or anyone that i can complain to about my IVA company? I am having very big problems with them, and am fed up with their could'nt care less attitude. They just do not understand how hurtful and frustrating they are to people, who are in desperate sit...

I have just completed the first year of my IVA, but have not had any news of the annual review. I require a review urgently, as my cicumstances have changed, and the administrators of my IVA, are taking more than half my income, hence i am having to borrow from family and friends just to survive. Ca...