Hi Steve Like others hear my IVA took 8 months to complete due to various complications. In that time I received numerous call and letters but it never got to the legal stage. The worst that happened in my case was one of my creditors sent a rep to knock on my door but this was 3 weeks after the IVA...

Thank you so much for your kind thoughts and advice. I'll speak to my IP and see what he says. Under my IVA I will pay back my creditors about £50K which if memory serves me correctly was about 55%. The critical illness pays out if certain types of cancer are diagnosed but it's only £25K. I can't se...

Hi All My wife and i have been in an IVA for 12 months now and whilst it's taken some getting used we are happy to get our first year under our belt and ready to move on. unfortunitly though we found out a week ago that my wife has cancer. we are obviously very concerned as my wife is likely to be o...