Thanks all that’s really helpful!

Hi, I started my IVA in 2011 its been completed and finished since 2016 😃 however, we are now 3 years post IVA and i am being told this could affect my application for a mortgage 😢 so my question is how do i get a mortgage?? My IVA no longer shows on my credit report I now have good credit everythin...

The following information is on my chairmans report, forgive my lack of knowledge but i dont fully understand it, does this mean i will need to pay further fees to the IP on review? "Variation fees shall not be considered or agreed as part of the Arrangement until a variation meeting is called by th...

I am in an IVA but my partner isnt, how will this affect him if i move in and am added to his electoral role and council tax?

Hello, I have recently set up my IVA and am one payment in, i am looking to move out of my parents house and rent with my boyfriend but he doesnt know about my IVA, i am not sure the process as obviously its quite difficult to rent within an IVA. This option would be cheaper than living at home and ...

Thanks everyone. I know its a small price to pay, heres to completion, 4 years, 11 months to go!

My IVA was approved last week and whilst i am really happy to have addressed the issue and start to move forward i am really depressed that my name is on the internet for all and sundry to see! especially as i am the only one that knows about it. I know its a small price to pay to being debt free an...

My IVA has been approved and i've made the first payment!

Onwards and Upwards!

Hi Guys, I am in the process of starting an IVA my proposals have been sent in the post just need to check and sign then my creditors meeting will take place (so i am told) am really worried as i have been reading some stories on here and online regarding Blackhorse Finance who i currently have my c...

Thanks everyone, I have sent the documentation off today so i'll keep you informed, feel like i'm going to have a nervous breakdown!

Hi Guys,

I am just starting the process with Payplan, have recieved letter today and request for documents so will be sending these tomorrow once i get all the documents together.

I am really worried about the outcome should i not be accepted?

Are there other options?
Sam