Hi Experts, I completed my IVA early with a final offer a couple of years ago, having started it in late 2008. Are there any mortgage deals available to me that are A) Available to me as an ex-IVA person (If I wanted to move etc.) and/or B) Will give me a better deal on my monthly payments? We curre...

Just had the phonecall from the variation meeting and they have accepted the offer of 7k with no other modifications. Once it's paid We're free!

Had the variation meeting this morning. All went smoothly just went through income and expenditure again and the IP are going to ask that the house be removed from the arrangement as there is no equity available, which is good news for the creditors F&F meeting. I'll know if this is accepted in 6-8 ...

Ok I've spoken to the IP and suggested an offer of 7k and they think this will be viewed favourably. My variation appointment is in 2 weeks. Fingers crossed!

One other thing - Assuming the offer is enough and accepted. What happens with the equity release clause? Will they try and get us to remortgage? (Which is what I'm hoping to avoid at all costs as my current mortgage has a 15 year fixed rate which makes life a lot simpler)

I'm wondering about how much I would need to offer a Final lump sum to finish my IVA early. Also is it merely that you need the necessary amount of cash and that's all or do you need an urgent reason too? In my case, the IVA is in it's 4th year (of 6) with a debt of 55k with an expected payback amou...

I've spoken to to some of the advice staff at GT and muddled through it a little more and it seems there's little I can do at the moment. If I rephrase the question a little... If at the time of the equity release clause and its instigation it is found that I would be able to remortgage AND there is...

Hi, I'm trying to wrap my head around the issue of the equity release clause in month 54 and how it will affect the IVA my wife and I have. We have agreed to contribute funds of £25k over 72 months with an original debt of around £55k. I think they've also added a 6th year as a clause. We've finis...