Hi

Unless your with StepChange who let you keep everything.

Hi

Unless you were with StepChange who have never bothered with PPI

Hi,

You can save at least half of whatever you are able to increase your income by or more if you have the 10/50/50 clause based on your agreed payment I believe.
I was lucky enough to get some bonuses so saved quite a bit.
If I'd not been as fortunate I'd have got a second income.

Regards.

Hi

For us it was just the P60 and last few wage slips, nothing else.

Stepchange have never bothered with PPI.
Easy to claim yourself though with the resolver tool via Martin Lewis site and pay no fees.

Hi, An IVA is a great way of protecting your home and equity as you continue to pay your mortgage throughout. We had 200k debt and a lot more equity than you and although I believe there are more ways of re-mortgaging at the end now we could not and our mortgage was paid off shortly after we finishe...

Hi, We had a new car about 3 yrs before our IVA through Lloyds/Blackhorse and refinanced before the IVA started and I'm sure we were able to arrange the new terms well before the 3 yr deal was up, so didn't cause any issue with the IVA. It was just written in that at the end of the new term the paym...

Hi,

Stepchange were excellent throughout for us and their in-house IVA dept works exactly the same as any independent firm. I've said it a few times that they never get any issues raised about their service.

Regards.

Hi,

Our final review just consisted of P60's and a couple of wage slips.

CC was in a matter of a few weeks.

Well done, we found them really good throughout.

Hi, Payplan get slated all the time, try Stepchange we found them to be great from start to finish. I don't think everyone who seeks advise from them are retained in their in-house IVA dept so it might be down to their criteria but you mention your debts are large and ours were massive so give them ...

Hi, We found Stepchange to be great throughout and very quick to issue a CC. They didn't bother us with PPI at all so we're looking forward to seeing what happens when we get round to claiming it. Regarding the reviews as I remember it was P60, 3 months payslips and bank statements , then at equity ...

Hi

We found them to be great from start to finish.

Regards.

Hi I can only comment on Stepchange through experience and they absolutely do a great job if you stay with their IVA dept. You never hear off any issues on this forum unlike most others and I'm quessing they handle as many cases. No PPI to bother with and very slick completion. Just pointing out the...

Hi

We found Stepchange to be superb from start to finish so if you stay with their IVA dept you'll be in good hands.
You never hear of any issues with them on this forum.

Good luck.

Hi

Out of interest who is/was your provider?

Cheers