I am going to save it!!! lesson has been learnt and now i am going to be a horder of money! [:)]

I am in the final couple of months of the 5 years of my IVA, as part of term in Yr 4 i had to attempt to re mortgage my flat and use any equity in the property to pay off any remaining debt. If i was unable to re mortgage then a further 12 months of payments beyond the 60 months would be required. T...

Hi Melanie,
I am not 100% sure based on current market conditions, I would suspect there is some equity but not a lot.

thanks to all for your responses so far.

My IVA is due to end in Apr 2012, at the end of the agreement i have to attempt to remortgage my house and if successful pay additonal funds from the equity of my property to the fund. if i am unable to remortgage i have to pay a further 12 months of the original monthly figure. My question is, as t...

HI, My Income and Expenditure is due to change due to my wife being pregnant. Over the last 3 years my income has increased and thus each review my payment has increased. However they have always worked on working out my surplus income and adding 50% of the said surplus to my repayment amount. Leavi...

Thanks for the responses thats great news and very helpful. Another question if I may. Do you think it is correct for My IP to incorporate my wifes income into our agreement and adjust my payments when she recieves a pay increase?

My wife is due to recieve a bonus of approx net 1k. My IVA agreement is currently in my name soley and does not include my wife. (Although our IP include her wages as part of our household income when calculating our income / expenditure). My Question is: would I need to declare my wife's bonus as a...