IVA complete after 6 years Feb 2015, CC arrived April 2015. Been looking through my Credit Reference Files and all cleared except from GE Money. Account Started Nov 2007, absorbed into IVA Feb 2009, Credit report showing settled Apr 2015, Account Closed May 2015. Since Aug 2009 account showing as mo...

Well what a fantastic weekend, after 6 long years (Thanks Northern Rock) I got home from work on Friday and saw what I thought would be an envelope from Clear Debt containing bad news but how wrong could I have been, it seemed to contain my Final Chairman's Report and my Completion Certificate!! I h...

Thanks Melanie

I think the house is worth approx. £124,000 with about £103,000 outstanding on the mortgage.

Hi Melanie, it seems that my IP did not pick up on this and to be honest I have only just really looked at my proposal due to it hopefully coming to an end. You say it should be academic if I do not have sufficient equity but NRAM (although this debt has now been sold on) state a 12 month extension ...

Hi hoping for a bit of advise \ clarification? I have 10 months left on my IVA, which Northern Rock (proposed by Eversheads LLP on behalf of Northern Rock) from the outset put a modification into my IVA proposal stating that the IVA be extended to 72 months from 60 months, they also stated that any ...

F&F - I have just completed my 4th year of an IVA, at the start I was paying in £398.15 per month for the first 23 months, my expenses then increased and my monthly payment dropped to £338.43 for 7 months, then a change in circumstances allowed for the payment to be increased to £491.15 for 5 mon...

F&F - I have just completed my 4th year of an IVA, at the start I was paying in £398.15 per month for the first 23 months, my expenses then increased and my monthly payment dropped to £338.43 for 7 months, then a change in circumstances allowed for the payment to be increased to £491.15 for 5 months...

Hi Kallis3,

Thanks for the warm welcome, yes I was advised I had 14 days to make my choice but I made this mess, so I have to get out of it, if this was the only way to get approval and not have to go BR then so be it.
Just need to keep cutting back!!!

Hi, newbe here. Have been going through the IVA process by myself up till now and as My IVA got accepted today, thought I would join forum for support through the coming years. As I said creditors meeting today, all voted yes with only one company not voting, so majority ruled. Northern Rock where o...

Hi CVA,

Just to let you know I had my IVA approved today!!
Good luck for the 13th.