what does assest not specifically pledged mean

Can I take a 2 month mortgage holiday to deal with unexpected bills without telling my IVA provider

Hi Zimmy, I will echo what the others have said so far, speak to your case officer and explain your situation. They will then be able to hopefully call a new meeting with the creditors and propose the new payment. You have serious health issues so it cannot be helped and we certainly wouldn't want ...

Hi Zimmy, A word with your IP will help you sort something out. Creditors seem to be sympathetic generally - particularly when we are trying our best in difficult situations as you are. How much do you feel you could afford to put into your IVA each month and what did you pay originally? Hi Origina...

Foggy wrote:

Hi Zimmy. How long have you been in the IVA? If you are nearing the end you might be able to propose a paid to date Full and Final on health grounds.

Hi Foggy

I have only been in it 13 months

I am in a IVA and due to health problems I am struggling to work my normal shift pattern, my employer of 34 years has created a dayshift role for me but at a reduced salary, I have already had 15% reduction from Payplan, is there anything else they could do to help ?

Hi Melanie
There is only me and my wife.

I will contact you tomorrow via email - address ?

Thanks

Melanie
We get by on housekeeping, but I am struggling with petrol,clothes and have no social life.

Hi Melanie

I can pay everything but have no money left to live.

Andy
I would imagine so.

Andy

It is made up approx 20% endowment 80% repayment and I have been told the endowment part will fall short, this finishes 2 years before the repayment. So if I deal with the shortfall there will be no borrowings against my house.
Regards

Andy
I am only 5 months in and the equity would be checked on the 54th month I think.
Regards

Leslie

I have already haggled and got a 15% reduction, but I am still struggling, the only option I can think of is to extend my mortgage (if allowed) as it only has 5 years to run by which time I will be 55.

Lesley, I will talk to them, but I would like to know where I stand before I speak to them. Thanks

Andrew
I would like to extend the term of the mortgage as it only has 5 years to run and it would lower my monthly payments, I am keeping up all payments at the moment,but have absolutely no money left each month and getting really depressed.