We have one payment to go, November hopefully that will be it, no equity in our property so have been told by pay plan to cancel our direct debit Can't believe we're the last 5 years have gone. It's not been easy, but we hung in there and survived. Advised it can take 3 months to finalise things, th...

Hi, yes we have... so hopefully it will end this year...

I am currently in month 54 of IVA and been asked to get a redemption figure which I received today from NRAM, £165950, we also had a valuation of the property to today which was £169950, we are with Pay plan, our IVA ends in OCT this year, what's happens in our case if we can't release equity as we ...

Not posted on here for a while now, completed 3 years of our IVA and starting year 4. last 3 years have flown by with lots of ups and downs and almost a marriage up. IT is hard to cope, and it has been a hard lesson learned, here is to the start of year 4, roll on the next 2 years... watching the ki...

Just completed are 1st annual review without any problems, answered some questions over the phone and that was it, just received our report through the post and payments are staying as they are. The last 12 months have flown and look forward to next Xmas. Anyone who is concerned about taking an IVA ...

I was in the same position as you the other month but have decided to give up on the car and jump the bus. Payplan said they could offer me a payment break however it would have to be paid back by the end of my review period which is next month, couldn't afford to pay back £800.00 over 2 months so o...

I'm coming to the end of my 1st review, our agreement was 60 months with equity release at the end, however this will probably be extended to 72 as our mortgage is with NRAM who aren't doing remortgages. Were paying back 70 p in the pound, wondering if your divided is a lot less would you have to pa...

Glad to read your posts as i'm with payplan and coming up to our 1st review, hopefully all will go well, must admit they have been great.

Hi Jane, I bob in and out of this forum occaisionally, its nice to see so many other people in the same position as myself. Its not easy at first but you get used to living without your plastic jesus. Hang in there time does come around quickly, i'm amost over my 1st year and nearing my 1st review. ...

Hi, currently 10 months into our IVA and recetly received a letter from MBNA stating that they have sold are debt onto a debt company, is this anything to worry about, i'm assuming they will only be receiving our IVA repayments.

1st we are doing when our IVA is up in 4 years or so is to save and return to Orlando, however for now will have to settle for a weeks camping in the lakes or Wales, no complaints though honestly.[8D]

I think we have made our 9th payment and seems Payplan have made their 1st payment to our creditors as we received some mail from our debtors, which is a good feeling in a strange was as our debt is starting to reduce. Hate wishing my life away as have 3 young children but in a positive note as you ...

Our agreement is 60 months with an equity release clause, however I cant see house prices increasing that much, also we have already lost about 30,000 off the value, not yet in negative equity probably only have £20,000 in profit. As our mortgage is high there wouldn't be much chance of equity relea...

in all it was about 6 weeks, return the paper work ASAP.

Hi, it was about 6 weeks from start to finish, send back any paper work as soon as you can, good luck with your application.