GT are not the fastest. Our initial discussions took place at the beginning of April and we'd sent all documentation by the 28th April. Constant chasing seemed to help speed it up, although I still think they work at their own pace! There had been no mention of the pension payments at all during any...

Thanks both for your comments. All through this process we have been committed to paying off the debt in the best way we can and it certainly hasn't been a 'what can we get away with?' approach. Therefore, if we can afford to pay the whole of the debt off during the 5 years then so be it, after all ...

75p is what were deemed to be able to afford having taken into account our living expenses etc. We'd already changed our mortgage to interest only to allow us to get to 75p. Because we were already offering 75p that's why I was more frustrated about throwing the pensions into the pot as well! IP is ...

Thanks Andy. I think the words were 'the IVA has been accepted, but there are some modifications requested'. I don't think the words 'accepted subject to.......' were used. Or if they were, I didn't pick up on them. I'm a realist and know that at the end of the day I owe them the money and have pay ...

Thanks for your response. The creditors meeting was on Tuesday, so when I was told it have been accepted and told what the modifications were I assumed that it had gone through OK. based on what your saying it is accepted subject to agreeing the modifications. Probably my misunderstanding in the hea...

Had IVA accepted this week at 75p. One mod required is that both myself and my wife opt out of out pension schemes with those payments going into the arrangments. Not too happy with this as we would also lose our employee contributions into the pension scheme. With pension payments in the arrangment...

How long does an IVA take to set up?
Could you end up with CCJs etc. during the setup process?