Thank you for your kind comments. I certainly consider that my IVA was the correct decision. But like everything it very much depends on your situation. To answer a number of questions raised: - Yes my IVA was disclosed as part of the application process and before I sought mortgage advice I knew th...

Back in April 2009 after several months my IVA was finally sorted. I'd found my IP (via this forum) who had been superb, but 6 years seemed such a long time away. Fast forward to April 2015, I'd got married, had a child and my F&F offer was accepted in 2013. Now it was time after some hard saving an...

Thanks again Melanie.

Wow I feel so excited!! It will be what it will be. But it is good to know it has gone.

Adam

Melanie thank you for taking the time to look into my post and respond, it gives me some comfort it is going to happen on or before 20th. We have been eagerly waiting each day as you can imagine.

Unfortunately still waiting for the submission, despite running through the numbers 21st May. I have been told my IP has until 20th June to issue the AR and variatoin proposal, which is essentially 28days after I have submitted the information, Then another 28 days before the variation meeting. Hope...

Wow I sometimes feel fed-up when i read about those fortunate to have 5yrs and I have 6yrs. But 7yrs must truly feel like marathon!

Congrats!!

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by MelanieGiles It is great to see that things have worked out for you Adam, and that you have found the forum of great use to you throughout the IVA process. Which IP firm are you with? I am with your co...

Sorry for the delay in responding, whilst not fully closed out (As I am awaiting my annual report and F&F variation to be submitted) our revised I&E has been finalised and is a value I feel comfortable with; Melanie, you as always are absolutely right. I have to say I feel so fortunate for two thing...

Thanks for the response, I have relaxed after initially seeing the form. Tbh, I am not sure how I was expecting it to be dealt with. As my partner went back to work on a reduced salary following maternity, I have drafted our income and expenditure and actually it doesn't make a massive difference to...

Hi all, It's been a little while since I last posted and the end is in sight with my 4th year now done. However, over the last year I have moved in with my partner and we now have a beautiful little girl. My annual review has come through and the template has a space for my partners income. How do w...

Its been a longtime since I have posted on here, but as a quick update I have just been through my 3rd annual review. My IVA was certainly the best thing for me and I wish I had bitten the bullet quite a bit earlier. Mel's team have been great and I cannot recommend them highly enough. Its great to ...

My first annual review is being conducted at the moment and I am starting to feel pretty anxious, it feels like all the stress of the setting up the IVA. My circumstances have changed substantially over the past year, I have been completely honest with my IVA company in submitting my review informat...

Once you are an in IVA, I am pretty sure the creditor loses the right to offset. So shouldnt be an issue.

I told mercers all the way along, they never stuck to the to 14days, even with a token payment.

Hi micawber, I had real issues with meeting someone face to face to talk about my debt. So intially I wanted to do it over the phone. I personally chose the IVA advice bureau due to the recomendations on here. My IVA was completed over the telephone, but I am sure if I wanted to, I could of have had...