font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Shaun Vickery I appreciate entirely what you say about getting into debt again. Stating the obvious I know but if you don't sell the house and you want to get your hands on some of the equity then borr...

Thank you all for the replies. My brain is now programmed to translate the word 'loan' into 'step 1 in getting into debt again'. After my experience of the last few years, I am very reluctant to get a loan. I have been renting out my property for the last few years whilst in my IVA, not wanting to s...

Hi, Really hope someone can help or point me in the right direction.... I completed my IVA in Nov 2013. I live with my girlfriend in her property, contributing towards her mortgage. We do not have any financial links. I still own my property in another part of the country. I have been trying to sell...

I found the stress of being in an IVA nothing compared to the stress before it. Constantly worrying about money, knocks at the door, phone calls from numbers I didn't recognise, wondering if I would be penniless and going hungry, deciding who not to pay and who to pay, what letters the postman was g...

Having been a long time lurker, I thought it was about time I came out of the shadows. Over the last 4/5 years I have found these forums to be a *massive* help, being able to read about people having the same queries, concerns and worries as me. They reassured me that I wasn't alone in this despite ...

I told my IP about my pay rise a couple of years ago and they didn't take any extra, so maybe it will be the same for you. A friend of mine is also part way through an IVA, and they have an arrangement with their employers Payroll dept that they pay their bonuses into a work savings account which is...

Thanks for the replies. ginger3232 - I haven't really been making any money from the rental. My income from the rent is £5 more than the mortgage payment. And then I have to pay the maintenance fees for the block of flats its in which costs £60 so keeping my flat is costing me £55 per month. I only ...

Hi I have had my mortgage with the Woolwich since the year 2000, but haven’t lived in my property in the North East since 2005 when I was made redundant and ‘temporarily’ moved to Leeds. At this point I contacted the Woolwich and explained the situation and they gave me permission to rent out my fla...

Hi, I am currently halfway through my 2nd year of my IVA, and not regretting it for one second. It’s so good to be stress free and not have to worry. Wish I had started it years earlier. And, I even have a savings account. Haven’t had one since I was about 7. Admittedly, there’s not much in it...

Thanks very much for the replies. I'll get it valued and then speak to my IP.

Hi, I am just about to finish the first year of my IVA. I would just like to know how things would work if I sold my property (I currently rent, and let out the property that I own) soon. I know that I need to release equity in year 4, but am not sure how things would work if I sold before then. In ...