Would just to like to say a massive thank you to all at McCambridge Duffy for helping me start and complete my IVA My certificate of completion came through yesterday and now feel the world has lifted from my shoulders Want to say a special thank you to Micheal peoples as without his guidance and un...

My advice is to talk with your IP,you will find that they will be as helpful as possible.Its best that the creditors get something rather than nothing...

Hi,havent been on for a loooonngggg time but still mooch around every now and then With regards to your question,yes,we are in a full and final and our circumstances have changed 3 times We were trying to sell our property to pay off the debt which was agreed but after 6 months couldnt sell,so we de...

Hugo
Did your IVA fail because of Payplan? Sorry it that is a stupid question,just a bit confused with your post
thanks

Hi Kallis3
Can you let me know what IP your using please?
thank you

Thank you all for your feedback
I will see what Payplan have to say when I speak with them,and then will also approach another IP to compare and go from there
again,thanks for the input,really appraciate it

Hi Melanie I will look at other options,but personaly I think this may be the best for us,I am sure the IP will let me know other options I am certain I can get at least £20k out of the place,I am working on minumums,as far as I know HIPS are not in place anymore-is that correct? and besides,it is a...

Hi Endmseet
I am with payplan on a DMP at the moment,and may be going for a FF IVA with them in the future,I know you have said you have got a few problems with them now,but over all would you recomend to go through an IVA with them or go at it alone with another IP?
thank you

thank you

Just thought of one already....

If,for example,a few of my creditors,default me,and then I do a FF IVA,will the default still show on my credit rating for 6 years or does the IVA "cancel out" the default? and the IVA stays on credit for 12 months(ish)

Thank you both for the replys,as said I have a chat booked with payplan in the next couple of weeks and then I will see what I need to do,then get it touch with a couple of other IP's and compare
I am sure I will have loads more questions before then so will post them when I have them
thank you

Hello to all, I would like some help and advice on the below please if I may: Me and my partner have been on a DMP with payplan since June last year,sort of going ok ish,we are around £43k in debt and started paying £550 month,then my income dropped due to a pay cut,and my partner went on maternity ...