thanks May 2006, I paid 100%, though my current feeling is that not being able to get credit will actually work in my favour. For one, I never want to see a credit card or a loan in my life. I've learned to live within my means. If I can't pay for it, then I can't have it. It's that simple. And I've...

Hi scarekez and neverending, I've looked at the IVA proposal and the tolerance figure is 20%. God knows at the time I signed up, I was too eager to clear my debt and didn't know of the implications. I've decided to make an official complaint against Synergi and am in the process of collecting all th...

Well it turns out that Barclays and HFC bank sold my debt to a company called Max Recovery Ltd after the first year of my IVA and the result is that, in total, they're asking for £2000 more than the original estimated amounts on the IVA? Are Max Recovery Ltd allowed to claim more than the original a...

I see from this forum that the IVA record is removed after 6 years of entering the IVA. I was on a 3-year IVA but that means that I have to wait a further 3 years before it's struck from my record and can get a good deal when looking for a mortgage or car hp. It hardly seems fair that I pay of my de...

Thanks Melanie,

I have been to your site and have seen your solution. Will implement immediately.

Regards
Janet Gabriel

Dear iva.co.uk!! I wonder if you can help me here. I am in a situation where I have been in a 3-year IVA that was approved in Feb 2004 . As of the final creditors meeting then, the total amount of just over £31,600 were submitted to the court and it was agreed that I was to pay 100p in the pound to ...