Thanks Melanie (wow you work this late on a Friday night[:)] thats dedication) I would let my IP know as soon as I had a place. Oh its all moving really quick just noticed the uni has an open day tomorrow maybe its all meant to be!

Hi Melanie

Yes I am in an iva now 1 year in.

Oh bless ya Swans_girl I will think positive. The course starts in Jan so hope I have time to apply if not another uni does it in March. I do like to complicate life as much as possible[:D]

Hi everyone thanks for your response. I hope I can do it too. This is what I left school wanting to do, but a 17 it was too hard living away from home so I only managed to do 1 of 3 years. I always wish I had finished the course. It would be very tight but I think it would be worth it in the end.

Hi I was wondering if it is possible to go back to uni when in an iva. As it is a nursing course I would bet a bursary of say £550 a month and would also have a partime care-work job (easy to get when your a nursing student and they are flexible to fit hours round my course) I was just wondering if ...

I applied to a company before, just a basic admin job and they would not take anyone on who had even missed a mortgage payment [:0] bet in the current climate they did not have many applications. Thanks for all the lovely congratulation messages everyone.

Just thought I would post that having an iva is not the end of the world in reference to job applications. Since being in an iva I hate the bit on job applications about your credit history. I completed the application form honestly about my debt and at the interview I explained I was in an iva. I w...

Ok thanks S2004 thats good news maybe we will be able to mortgage enough in year 4 then. All the best on your iva.

Hi S2004 Thankfully our IP got Barclays to not claim anything for 5 years I guess in hope we can re-mortgage enough in year 4! Dont worry too much lots can happen in 5 years and I’m sure you will have some equity by then. Do you know if you can make an offer on a charging order eg if we can re-mortg...

Hi mikepapa you are quite right we did try to re-mortgage but our broker let us down. When we bought our house the loft had been made into a room ie no fixed stairs but electrics, window etc however in doing this they removed some important joists so to get a mortgage we had to have this fixed at gr...

Hi Melanie thanks for your reply. We thought it might be a long shot but if you dont ask you dont get[:D] We just feel we will come out of an 5-6 year iva and still have the charge to Barclays to service so we will be looking at paying about £380 a month forever!

Hi everyone its been a long time since I posted but to re-cap we are 1 year into on IVA paying £380pm it has flown by. Managing ok however I was wondering as we have good equity in the property value £160000 mortgage £80500 why not re-mortgage now rather than in year 4. We have a charge on our prope...