Our circumstances have changed since being in the IVA.I had a baby in May thats added to our outgoings as I couldn't possibly have given up work to look after him whilst in the IVA Ive been in it for 18months. Ive paid about 8.5k off at 440 a month, the agreement was that afer 4 years 12.5k equity f...

I originally said we could probably borrow 20k but thought they had to do it all on our behalf? Can I write a letter to the IP stating what we can afford and go with that? How about the creditors bit? I need them to do that dont I? Thanks for your response, I take it you managed to pay yours off the...

Please can you advise? I asked my IP around early December for help with sorting out a F&F figure. They are taking forever. They asked me the following question today as well, but the guy is on holiday and they have only discussed this by email. Sounds like they aren’t interested in helping now they...

Hi and thanks for your response. This is an area I would need to check. I remember at the meeting discussing a fixed amount or a % and I opted for the fixed amount. However it was only until recently I have noticed that the amount is not what we agreed at the meeting. A difference of around 4k. I wi...

I know this thread is a little old however just had to say what a big heart you must have to help a friend out like that. Money is always a sensitive subject whether you have it or not. I hope they accepted it graciously as it was intended. I only wish everyone who was struggling had a friend like y...

Me Me Me, what a fab idea!!

I've just taken the survey, hope I did it right it was very short and sweet and only asked for my email address. Im only confused as in other posts people are talking about an address to send to???

*sits and waits in anticipation for her lovely bread card*

[:)]

My partner is really keen for us to make an offer to settle our IVA, but Im dont know how to go about it? Our fixed rate mortgage finishes in Feb and I assume would be a good time to try a release some equity. Our house is valued at around 179k we bought it for 155k and we have paid a couple of year...

I’ve recently entered an IVA and have been making payments for around 6 months. Things were very difficult adjusting to our new spending power and have really taken us 6 months to settle into the lifestyle. Learning to manage our money has been the most rewarding experience and I feel a sense of ach...