Can i change my IP?

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fearless1979

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Post by fearless1979 » Wed Mar 03, 2010 8:29 pm
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I have an IVA and im within my last two years of paying this off completely and last year i was made redundant and couldnt pay any longer. i was out of work for over 6 months and luckily i now have a job and ive started to get myself right. Unfortunately the amount has risen on my IVA and ive had to move out of my parents house as they are moving into somewhere smaller and now i have the added expense of higher rent costs. I dont think i can afford to pay the amount of my IVA that they are asking me and they are unable to reduce it for me. Someone told me that if i change who i have my IVA with maybe they could reduce this for me? I want to try and avoid bankruptcy if i can.. but not sure what my options are.

The IVA company i use are hopeless!!

Can anyone give me any advice please?
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kallis3

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Post by kallis3 » Wed Mar 03, 2010 8:33 pm
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Hi fearless and welcome to the forum.

Unfortunately, it is nigh on impossible to change your IP.

Who is your company?
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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fearless1979

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Post by fearless1979 » Wed Mar 03, 2010 8:43 pm
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Hi

Nice to meet you. The IP is from MLM. I really feel like ive done so much and tried to get so far and it looks like i will have to fail my IVA now :-(
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kallis3

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Post by kallis3 » Wed Mar 03, 2010 9:24 pm
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Who is MLM? I've not heard of them.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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MelanieGiles

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Post by MelanieGiles » Thu Mar 04, 2010 9:01 pm
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Have you tried to get them to consider whether you could vary the terms of your IVA to accomodate reduced but affordable payments?
Regards, Melanie Giles, Insolvency Practitioner
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