Good morning, After 5 (seemingly long) years my husband and I made our final IVA payment at the beginning of October, and although we're not officially out of the arrangement until we receive our certificate of completion, we are now debt free - hurrah! I just wanted to offer advice to those that ha...

Hi, I have no regrets about my IVA,and if I had my time again I wouldn't change anything. This may sound daft but I now absolutely loathe the idea of having credit for anything other than having a mortgage one , and although this has been an extreme way for me to get into this psyche, it has worked ...

Apologies - I didn't realise email addresses couldn't be posted on here. Although with hindsight I suppose that makes sense.

Melanie - I have contacted you through your website with my email address, if you'd like to reply to that.

Debs

Have my proposal ready to go - but no email address!

Does anyone have Melanie's email address please?

Thanks,

Debs

Melanie - Many thanks for offering to look at this for me.

I think I have found a relative who owns a scanner, so once this has been done, I'll email it through to you.

Hello again, I have had a look at my copy of the Chairman's Report - this comprises of a single sheet of paper, advising of the arrangement I have made with one modification - which is that my arrangement will fail if I don't keep up with the repayments. I'll be honest that I had no idea that I had ...

Many thanks for getting back to me. From what I understood when I spoke to Grant Thornton, there isn't any sort of clause in my Chairmans Report about bonus payments, so she said this would mean a straight 50/50 split. I should have this put away with my other IVA correspondance, so I'll see if I ca...

Morning all, I hope someone can help me with a query I have about a bonus I am about to receive. I am due to receive £300 net, and from the posts I had read on here, assumed that I would keep 10% of my net pay (£98), and the remaining amount would be split 50/50 with my IP, so they would get £101. H...

Many thanks to you both for your advice - I will give them a call tomorrow. Two further question I have, which have cropped up as I've got my documents together: I am unable to locate two of my husbands wage slips for last October and February - will this cause a major problem? Also, I received a lu...

Good afternoon, I'm new to here, but I often read the posts which prove very informative when I need a question answering about my IVA. Now I need a bit more help... I am 34 payments into my IVA and have received my third annual review through today to complete. My provider has now changed to Grant ...