Thank you all for your thoughts on this

Hi All, I was a success story, managed to complete my IVA four years early and received my completion certificate over a year ago. My credit file was in a mess but managed to eventually get all the defaults moved to pre IVA arrangement date. Issue is that i am still showing up as really really bad c...

Hi All, If you work in the financial services industry (or know of people who have with these circumstances), has anyone had to go through the process of the FSA approved persons (CF30 customer function etc) whilst in an IVA or completed in IVA within 6 years. The FSA say they review on a case by ca...

Thanks for all your input. Given that i have now completed by IVA, I agree with kat68, they should stop defaulting me from date i entered the IVA (and follow what the other cc companies have done). In fact really important for me as i work in the city and would make it much easier for me when applyi...

Hi All, Following IVA entered in 2009 (yay), made a F+F settlement with completion certificate in September 2011. Most creditors were good and following one or two letters they correctly updated my credit file as satisfied with no defaults following the day i went into my IVA. Except one company Hil...

Hello All Hoping i might be able to get some advice. I had F+F accepted and paid off in January and now awaiting full closure (expected to complete within a month or so). The issues I have is that I have rented a car on the 31st Aug for my holiday and as i am the only qualified driver obviously i do...

Great News. Entered an IVA in April 2010 paying about £450 a month, with a dividend of about 49%. So there is hope out there for you all. Once my IVA had been accepted everything went so smoothly and really helped. I also gained an understanding of budgeting and appreciated everything I bought. All ...

Hello, Great news, I have been offered by a relative to make a F&F settlement of my IVA after the sale of their property. I currently make a monthly payment of £460. I have 53 payments remaining so was thinking an offer in the region of £24,380 - would this be to small (or too big). My IP says they ...

Just some words on my story through the IVA process. I had my IVA approved back in the start of May. The process started back in February when I had contact the CAB, they were very helpful and offered said that they could put me in touch with a debt management type company for some advice which I to...

Hello, I have been in an IVA for a couple of months, everything has gone smoothely which is great. But just had a moment of panic though when i looked at my agreement, as follows: So when i started the process of the IVA i opened a new bank account with Smile.co.uk (co-op), with no credit facilities...

Hi all,

Once your in an IVA what documents do you need to send to your IP on a monthly basis, is this just your payslips?

Tks,
Boznich80

Hi, I have got sick of all the calls. When i have spoke to them they have been very friendly. Four hours later they call back for an update. So, i now have set my phone to forward all calls to voice-mail - peace from my phone at last but can still receive text messages from friends and family etc. I...

Hi All,

I am in the process of drafting my IVA with the IP amd they needed my previous addresses for the last 5 years or so.

Is this just for them to run my credit report or do they get stated on the IVA proposal (addresses, dates moved in/out etc)??

Cheers!

Sorry to come back again, but in that case can we calculate the household expenditure then halve it to get my portion (although 100% disclosed) and take this off my salary to get the IVA payment? Would i not need to include her income as well in any form? Or is that to show that she has enough to co...

Hi Melanie, That is a good point. No joint assets / children. We did have a joint account that was -2221 overdrawn. She was able to clear the debt on the account and I have already informed my drafter of the proposal. Perhaps it was initially included as we had this joint account. I will contact the...