Hi, My IVA started in April 2009, so the statutory 6 years is up in April 2015. However, my arrangement has had a couple of breaks owing to periods of unemployment (I am a contractor). It has another 10 months remaining, although it is currently going through a full and final. Does the public record...

I'm nearly 4 years into my IVA. I have started up my own business, funnily enough to sell insurance. I got approved by the FSA to do this - I disclosed everything and they said my work experience was enough. So I am directly authorised to provide financial advice. Therefore I thought setting up a bu...

Thanks for your comments. Regarding keeping it on my file, it's a grey area. I spoke to my solictor at the time who said a tribunal would be very long indeed, and likely to adversely affect my career vs a mutual resignation. My solicitor said there was possible recourse against my IP but fees are th...

Hi, I started my 5yr IVA in May 2009 with payments of £620 per month. During the proposal stage, my IP mistakenly sent the proposal papers to my employer. Given my position was one with significant financial authority, upon audit this was frowned upon as was invited to resign before being dismissed....

Hi, I am in a complex argument with my previous Landlord. I had a fixed term AST (residential tenancy). Landlord is claiming that his "debt" should have been included in the IVA. Important to note that there was no debt when we entered the agreement, only the rent bound until the expiry of the fixed...

Thanks for responses, guys.

Yes, the Landlord made a WP offer of settlement that isn't too far north of what we're to offer in return, so we're confident he'll accept.

It's during the IVA. The case is complex, regarding surrender of a fixed term tenancy. Advice doesn't come cheap nor will a court case. The best advice I had was that in any event will be prove extremely expensive regarding costs. Great news if I win, but I still have to fund it with a significant a...

Hi, I'm 2 years into my 5 year IVA. I was made redundant in Jan 2010, in which it took 3 months to get a new job, beit on the other side of the country! My IP gave a 5 month payment break in all to allow for unemployment and moving costs. This has been added on to the end of the arrangement. I have ...

Thanks, guys. Can't wait - I'm a lucky man!

Thanks, what I though, just needed to be sure!

As long as I can keep my wife anon during the process, but simply do my duty in declaring the fact I'm married, and recalculating the I&E, I'm happy.

Thanks again,
Simon

Hi, First post in the forum. I'm Si, 26. I took out an IVA earlier this year following 4 years of hell fighting off creditors from debt gathered in my student years. No surprise there's a banking crisis when banks were giving naive 21 year olds with minimal income £10,000 credit cards for fun. How I...