I have had the same issue with DFD. All original paperwork was remortgage only which we couldn't get. We didn't sign the variation, and told DFD on one of our many calls we told them we didn't want the variation. We have req the 12 month extension which they are requesting with creditors, but they a...

Hello, I was coming to the end of my 5th year when I was contacted about the remortgage. This was not possible as no one would offer us one/not enough equity. Instead we were offered a secured loan against our house for years which would have added another £30,000 of debt (had we not then been able...

Hi, We have requested 1 year extension as could not remortgage but they can not request this as say our payments need to increase but we have had not letters or emails about this! Also I have since been made redundant at end of August. I can not reach anyone at DFD. I'm forever on hold. This month's...

What will happen in the final year of my IVA. I am unable to get a remortgage, but have been asked to take a secured loan for 15 years, which I do not want to do. My paperwork explains that I could extend for a 6th year. What will happen at the end of the 6th year - would any amount remaining be wri...

Hi, One of the reasons my husband and I now need the iva is that all bonus's and overtime at our work was ceased. We have been living of credit cards and our savings which are all now gone. but I just wanted to know what would happen if they do re-instate the comany bonus's. Not that mine is much an...

Hi, I''m finally able to apply for my IVA whihc had to wait until my car credit was paid off (as id didn''t want them to take it away, as I need it) and was advised to move bank accounts as some of my debit is with the bank i currently use. I was going to swap to Natwest but see they are part of ban...

Hi, I was wondering if anyone could advise how bad it is after an IVA is finished in regards to Credit History. It is my husbands main concern as he says in 5 plus years if he manages to move on with his comay he would liek to be abke to move house. (We currently live in a small 2 bed terraced house...

Thank you everyone for the comments - it has made me feel so much more at ease. I have spoken to some companies and it does seem that an IVA is the best option. I can't wait to get o the track to being debt free so i can finally take a sih of releif and be able to treat my kids to an ice cream in th...

Hello All, Husband and i have recently realised how much debt we have managed to acumulate with various credit cards. I have lost all overtime and saturday extra hours due t economic climate and any bonus i used to make is now unacheivable leaving us trapped each month. I have been recommended to ge...