I am currently in the fourth year of an IVA and have made a F & F offer which is being heard later this month.
If accepted, how long will it be before any future windfalls (PPI claims ,inheritance,compensation claims etc.) will no longer have to be paid into my IVA fund?

Too Right MRBLUESKY !!
Go for it Myles

Hi.Good Luck .I think you will need more than luck alone though.Even without being in an IVA only 2% of mortgages are being accepted with 90% LTV

Melanie,
In your example,i assume that the £15000 you have to pay in is only if you can afford it. ie. worked out by I & E in the 6th year

Guess it was time delay to sort out DD details.

hi.
i have just started an IVA which was approved in April.However,the first payment is not required until June .Does this mean that i can keep all overtime pay from April and not have to pay any until my May payments?
Thanks Rob

Hi.If you want to see a guide to what your expenditure should be, log in to www.beatmydebt.com
Hope it helps.cheers Rob

Hi.dont wish to be a bearer of bad news but i am with Halifax and my mortgage was converted to interest only for 12 months to help me through a tough financial period.Within those 12 months i have been accepted into an IVA and my expenditure reflected my mortgage repayments returning to capital and ...

with my very limited knowledge could the payment have been seen as a windfall rather than a F&F ? (just an idea)

thank you for your replies.
is a variation required if IVA payments increase or only if they decrease from original arrangement ?

will be a friend's cast off!!!

Hi.i know it is not CCCS guidelines but you can find some expenditure guidelines at www.beatmydebt.com

Hello again, a few questions about IP Supervisor fees. 1)if there is enough equity at the end of IVA and can remortgage will the total i pay back be the original debt or the debt plus IP fees 2)Are supervisors fees reduced if IVA finishes early due to F&F? ie Are 36 of their 15% payments each month ...

I have just started IVA (first payment June)but already there are a number of changes in my life. extra employment is good but has been offset by the requirement for a vehicle and my lodger moving out.Am i entitled to ask for a review incorporating these new details?
thanks.Rob

Assuming i am unable to carry out F&F,i will continue to 60 months.If at this stage i have enough equity but unable to remortgage,i understand i will have to make 12 additional monthly contributions.How will these contributions be determined?ie Will a final I&E review be carried out and the remainde...