thanks to you all,this site is great would recommend it to anybody,now to a debt free future CHEERS!!sharon

the relief is tremendous,i was so lucky to get the funds,had such a hard year and for it to be finished just in time for christmas is fantastic,

hi my full final was accepted on the 9 nov,does anybody know when the completion certificate usually arrives,thanks

yes the iva was over 60 months originally was started in april 08,but we have struggled,the meeting is on the 9 nov,surely the ip would not put this forward if she didnt think it was acceptable.

hi we have 58 months of 253 to pay which is about 14,600,oir ip has put a full and final to them for 13,000,do you think this will be accepted thankyou

the bank charges are from a creditor,but the mortgage fee is not from a creditor and we are not with that company now,say if we got full compensation from the mortgage company would i be in a position to offer then thanks

hi thats the balance of the remaining contributions

hi financial os is trying to get me back bank charges and mortgage that was misold,which if get all back it amounts to about 14000,owe 14,900 left to iva ,what would be good f&f offer be,and also if dont get it all back can we keep 50% of it thanks

i think il stick with my current one for now thanks

i did explain to them on the phone that i had an iva and they were one of the creditors,they said it was fine what do you think thanks

hi not been on for a while,iva going really well,just one question i bank with thinkbanking who charge us a monthly fee of 17.50,the halifax has opened a basic account for me,only problem they were the creditors we owed the most money to,do you think banking with them again is ok,they wont just clea...

they said need to fill one out when we have moved,what is acceptable to live on for most 4 people families on iva,thanks,and we only owe 19000 altogether so 800 over another 4 yrs is triple that amount.

we are giving house up because the payments on repayment 1300 month which left us with 100 month to live which is impossible,now freeman jones says we can pay 800 month to them in rented which would leave us 400 month like before when we were on interest only and we still could not manage,what do yo...

we are surrendering our house back to mortgage company at end of month because cant afford repayments with iva aswell,we have rented property to move into but iva said they will take another 500 pounds extra a month which we will be in the same position we are in now also there will be shortfall on ...

could i get a loan to pay final settlement on iva as this would be cheaper a month than iva payments