I have not been on this site for a couple of months so hello again. my husband and I have been in an IVA for almost a year, going back to october 07 our financial circumstances changed through no fault of our own. Our IP sent us a letter stating that we did not have to make any payments until Januar...

Thankyou again Melanie and to you Andy Davie (pleased to meet you) well its just not possible to meet our payments, since we took on the IVA my husband lost his job, he managed to find one after about 6 weeks but had to take approx £600/month drop in wages. Myself i had to take a reduction in hours,...

I forgot to say when i got in touch with them to ask for a full and final settlement figure, they gave me both and never mentioned the 4 year clause. I must say as many already have you are a blessing to people who have made financial errors in their lives. Thankyou. I also must say we entered the I...

Sorry Melanie i do tend to babble on. We were given 3 months grace paying the IVA due to my hours being reduced and not being able to meet our payments. They said that they would get in touch with us to discuss matters, but in three months not one call or letter. I want to remortgage to raise the eq...

Hi there melanie, thanks for prompt reply. Im not unemployed, hours have been reduced. My husband took on a new job with a drop in money. I have a few jobs that I have applied for, I will get full time again. The IGroup have accepted us for a remortgage, they are dealing with IVA. Question: Why is t...

Sorry not very good at this IT stuff. There was two parts to my posting but dont no where the other half went. Basically been in IVA since early last year. Unforseen circ has given us a drop in income of approx £1150/month. IP gave us 3 months break in order to find me full time work. Have tried ver...

So i have gone for a remortgage as we have equity in the property, so we can settle our IVA. There just doesnt seem to be an alternative. I am just praying that we will not lose the house.
Any advice from any experts please.

Can you sell your house whilst being in an iva. I was looking over the paper work and noticed that we still have equity which could pay off our debt. We have been in iva since April this year. Regards

Thankyou for your reply bagpuss, very much appreciated. I have spoken to my I.P and they have suggested putting in writing our changes and they will see what they can do.
Regards Mitch

my husband and i have been in an iva since march of this year, since then my husband has a new job which unfortunately is approx £500 pounds less each month and i am now earning approx £300 less each month as i was covering for maternity leave. We are really struggling with paying mortgage and our b...

Thankyou so much, i have recieved news that mine was accepted after a higher offer. My husbands was meeting today so lets have faith.Kind regards

Hi there, i cant seem to find any information about iva refusal. You see myself and my husband were both rejected and as i understand it they have adjourned til monday(is this where they offer an increased payment). So if the proposal is again rejected what do you suggest i do then. I am thinking of...

Hi there everyone can i join the iva club, it seems a great place to be. Myself and my husband have posted all our details off today to start the ball rolling with our process in the iva. Im very new to all this but its nice to know there is a light at the end of the tunnel. Not a pc sort of person ...