Hi Just want to say a huge thank you to Payplan! I extended into my 6th year as we couldn't re-mortgage but was then made redundant - life has a way of doing things like this! Payplan put forward a variation to finish my IVA with the payments I've made as full settlement and it was accepted today! I...

Hi I've got 17 months left of my IVA and it looks like I'm going to be made redundant. They have said that we will only get statutory redundancy which I think is one week's pay for each year of employment and as I've only been there 5 years its not going to be a fortune. There won't be enough to pay...

Hi I am 3 years into my IVA and whilst it said the same in my IVA agreement my husband refused also to sign the RX1. I notified Payplan and they allowed me to sign it and return it with a letter advising my husband had refused to sign it as the IVA was not in his name. This was accepted and I havent...

Hi

I have received an email from Payplan to say that I will be receiving a form in the post to complete and return also.

I've never taken out PPI on anything so not worried, but I just don't want the hassle of it either. We shouldn't be forced to complete these forms.

Hi there - so sorry things are going from bad to worse for you. I also had a huge - well it feels huge! car bill yesterday - £380. I am currently off work due to numerous problems which I am sure are stress related. I am however making the most of the time off - putting loads of unwanted stuff on eb...

Sorry - Arty can you let me have details of the links for anxiety and low mood managements - would really appreciate it. Determined to get on top of this.

Well aren't I so lucky to have you all reply with such fantastic support! You are all brilliant! I did go to see the doctor and as I have already been off work for a week - just couldn't face it - he has signed me off for another week. I am just so tired and weary - just getting over flu and kidney ...

Hi I am 3 years into my IVA and thought I was doing okay. Husband and grown up sons are really supportive but my work collegues don't know anything about it so have been doing the usual excuses for never going to any of the social occasions due to lack of funds etc. Have been ill off and on for the ...

Hi We are very fortunate to have substantial equity in our home, however we are both in our late 50's and my husband will be 60 next year. We will need to attempt to re-mortgage next year - just wondering if building societies are lending to people in IVA's if they have good equity in the property o...

When are Payplan going to respond to all these worries?

I find their silence all very unnerving - surely they need to respond NOW!

I also had this problem with Payplan and was so concerned about the equity clause that I asked for a variation meeting to be called - this was two years into my IVA as on reading the Chairmans original report I realised that the 12 month clause in lieu of equity was not included. I asked on numerous...

Sanity restored! Thanks so much for the really helpful replies - it's such a relief! You are so right - as long as I continue with my payments and submit everything asked for it will be fine! They've already agreed to the extra 12 months and chances are I won't be able to re-mortgage so 3 years gone...

Hi Like you I have been really worried about this as we have a lot of equity in our home. My payments haven't increased in the 3 years since I started as I haven't had a pay rise and everything else has gone up so there is no surplus funds. I checked my agreement and there was no reference to an ext...

Hi

I have just had my third and they don't get any easier. But it feels great to think I am have half way through as I am sure we will have to extend to 6 year as I can't see us getting a mortgage.

But that said I wouldn't change a thing - my IVA was a lifesaver.

Hi When I took out my IVA 3 years ago both my husband and I signed an RX2 form which we sent back to our IVA company. They subsequently sent another one as there had been a problem with the company who dealt with these forms or something like that! Again we both signed it and I sent it back. However...