Hello All, Thank you for all you input and advice to my situation. Thought I would pop back and give you the update. So based on adviced received here, I provided a counter proposal to keep the IVA for a further 12 months with a slight increment to the monthly payment, + a small one of payment at th...

Sally, Gosh Im sorry sounds like your in a worse position than me. I just feel something is not quite right, I know i got myself in to debt, I accept that, and have done for the last 5 years, and beleive me, Lesson learned. But seriously to be failed at this late stage for something completely out o...

Well I think part of the problem with communication has been that since my start of the IVA, the IVA company has been aquired 3 times, due to them going into administration (how ironic!) Started with PBrecovery (which was excellent) then Synergi, which was ok, and now Cleardebt which is...a little ok.

Thank you all for your advice, sincerely appreciated. IVA company came back to me and confirmed they cant get an equity release for me, and nor can I get a secured loan. So what would I like to do? I wrote a very polite letter, and explained that i hoped that my intentions were very clear that i hav...

Funnymoney well done for getting this far,myself and lesley will help you where we can,but low dividends to creditors is certainly not a laughing matter,this site is monitored by proffessional people and will not tolerate debt arrangements taken light hearted. Apologies Bluesky, despite my avatar n...

Wow fast responses! Thanks Lesley & MrBlueSky, much appreciated.

Edit: removed comments in respect

Hello all, Have searched the forums but could not find an exact answer, so apologies if I am repeating a question. I am now in my final year of my IVA actually only 1 more month to go. In my contract I was meant to have remortgaged to release some equity in year 4, but I was never contacted or asked...

Oh Sorry, Im still getting used to the forum platform. [8)]

Thanks again
FM

I have the opportunity to accept a job in a third world country, for considerably less money than what i earn in UK, yet will still be able to maintain my IVA payment, and do not wish to sell my UK house, Renting my house will only cover the mortgage and insurances. Will this be allowed? Im assuming...

Completely agree with you Kal.

Ultimately the age old saying applies here "Easy come, Easy go!"

Thank You very much Melanie, really appreciate it. Ok I will revise a new income and expenditure and send it to them, and yes i have always maintained my payments, would not mess that up, But what do I do , when they are asking me to prove my increase in childs clothing? and my increase in electrici...

Wow, thanks for the fast response. I was with a company called PB recovery, and they have been taken over by Synergi Basically what i can make out, they have taken a straight calculation income - expenditure = disposable Disposable - 1 penny = new IVA payment. With PB recovery, It was agreed that my...

Hello, Just stumbled across this forum, as feeling really quite dejected at the moment. I have been in my IVA for 2 years and a few months now, and i recently received some correspondence that the Firm I was dealing with have been taken over by another one. The first company were so personable, frie...