Hi,we have now completed our final payment after 6 years and are awaiting our certificate hooray!!.My wife received a text message from a c.c company we had a loan with(this happened annually)asking for payment.This c.c was included in the Iva.I presume that these will now stop.How will they know th...

Good afternoon, after 6 years and 1 month we make our final payment on the 15th Sept.I have just received a call from the firm we went through asking about people in the household(they have had this info prior).I informed her that we have 2 21 year olds who work but earn very little so we don't take...

hi all,we are in our 6th year of our iva,due to end aug 16.do the creditors complete the f and f at the end of the term,i ask this as i am due an extra £2000 in this months salary,this is due to a job evaluation that goes back to october 2012 thats only just been sorted!!if it was agreed in more ti...

Hi,I'm In a joint IVA with the wife.Paperwork is very similar throughout as all our outgoings are calculated together.The amount we pay back is obviously the same however when it comes to remortgage on year 5 it states that he also proposes to pay back x amount of money and the wife's says she also ...

Good evening,we have just received our letter(joint iva) as we are now entering our 5th year.It requests a property valuation,can go with that,a mortgage redemption statement,can go with that,it also requests 2 separate mortgage offers/illustrations.As we are tied in the IVA would I be right I sayin...

I am currently in the 4th year of an IVA.I am employed full time and pay my Creditors off monthly.i have just secured a consultancy post which will bring in extra income monthly.The amount will differ each month .Im aware that I have a figure I am able to earn which is 10% more than then its 50/50.m...

Can anybody answer me why I have a credit rating thats improved from fair to good over the last week or so.My score has increased by 79 points to 893???This was done by experian.

My wife and I have been in IVA for 18 months now,Our mortgage deal is up for renewal in September,will we have a problem remaining with our current lender,also due to being in an IVA will we be treated differently in regards to rates we are offered?Im aware any increase/decrease in mortgage payments...

my sons 16 and has decided to live with me now.I pay regular payments for both my kids.My question is I have asked my ex to put the child benefit in my name.Im aware i need to inform my ip.Will this alter my I&E as obviously I will get around £80 per month extra,but as we all know with kids I will ...

Just completed 12 months in IVA and sent in relevant info to IP, wage slips,p60 etc,No change in terms of agreed amount per month .Wife is in the process of increasing her hours from 30 to 37 on a temporary basis.Would it be advisable to contact my IP to make them aware of the changes?

Hi I have an IVA with mccambridge duffy.Received annual report for 1st year and no increase thank god.On reading my arrangements again it states I will pay £400 for 60 months then a lump sum of £14.405 that being the proceeds from the remortgage of my property in the final year of the arrangement,...

My wife and I have been paying our IVA for 12 months with the August payment.We are paying £400 per month.We have approx 40,000 in equity in the home we have.Could we negotiate a price to finish the IVA if we were to re mortgage?Also with the 40,000 equity I am correct at the end of the term it wil...

Almost 12 months into an IVA and we are now thinking of moving home.What problems if any will this cause?