Hi, does the 5th year equity release 85% rule mean that after the house has been valued, no further reduction will be made for a forced sale, or should a further 10% be deducted to reflect a forced sale. This could make a massive difference to me, so any anecdotal evidence would be greatly appreciat...

Thanks all for the advice, quick step arranged for a surveyor to visit the property, he valued it 25K less than the online valuation. Still a little over price,so another verbal battle with step change looms.

Hi, desperate for advice. In the 5th year of iva with step change.They have valued my house on line and come up with a figure £30,000 more than the true value of the property. This has been done without actually seeing the house, or taking into account the amount of work needed to bring it up to a ...

When my IVA is due to complete after 72 months, I retire 3 months later with a final salary pension, will my my lump sum from my pension be safe, or will I have to pay into IVA. I will not receive certificate from IVA (step change) until 6 months after completion ?

My IVA (with Step Change)is due to finish 4 months before I retire. If I haven't received my completion certificate in the 4 months before I retire, will my pension lump sum be included in the IVA?

if i was to take early retirement, would my pension lump sum be taken into my IVA payments?

I think I have sortedit,I had a 6 month break to be able to buy a car,so that would take the IVA to 66 months.Thanks for your help anyway,it is appreciated

Hi,I`m in an IVA with CCCS and have just had my first annual review.On the review paperwork I got back,it says that I have agreed to pay 66 monthly payments.I was under the impression that I paid 60 months, then if I couldn`t remortgage,I paid another 12 months.Do I only pay 66 months in total witho...