Thanks all. The 6th year is July so based on the answers I could be ok by the end of the year if the current car makes it!

We had a drink tonight at the pub we went to on our way home from court 5 long years ago. We promised ourselves that we would do it 5 years ago and it was surreal and emotional to be back. Keep at it would be my advice everyone out there. My white board has just had the final payment checked off.......

Thanks again!

Thanks for the warning ! Just to prepare myself, is there a lot of work to do once the Completion Certificate is provided to make sure that my details are correct across the credit reference agencies ? I have prepared myself for a lot of letter writing in a few months time - or is it more automated ...

Hi again Today I make the final payment on my IVA marking the end of a long and painful 5 year journey. GT have my documents for the final I&E review and I hope to have that back soon. Assuming that they dont want any more money off me (please!) I need to know where I stand as of today. As the IVA m...

thanks all....we will wait. appreciate the advice

Oh and as it's a joint Iva and joint mortgage.....is that 5k each or in total?

That scares me ..another 12 months ......that would mean I will pay a lot more than 5K....that doesn't seem fair!

I am with GT and the house is in negative equity with little likelihood of being even at breakeven before year 5 finishes (next july) I see some people paying an extra year. Some get another extension to the mortgage. I spoke to GT and they say that if I stay as-is, there will be nothing more to pay...

IVA monthly contributions When our IVA was set up the payslips we supplied were averaged out over the 3 months to work out what we should be paying. Since they were provided (in march) the IVA was set up and my takehome pay changed (increased) due to changes to my company health/benefits scheme. I a...

in the defence and security world there are multiple levels of clearance. Basic (BC), Secure (SC) and Developed (DV) which allow you to work at higher levels of national security.

The worry for me is how I can give them any of the equity if it is in another car. I need a reliable car to get to work (70 mile round trip each day) and an old banger is going to cost even more to run. I'm struggling to understand the logic in the decisions being made.

I am 2 months into a joint ICA and we have an agreed clause to fund a car for £200 per month from April next year. I need to get rid of my current car and downgrade it. This month I have amost £5K equity in the car despite the book price being significantly less. I cant sell it for that, but a deale...