I am 44 months into a 66 month IVA and as most found times difficult but have looked at this forum a lot and this has helped a great deal. My question is, I have just turned 55 and have a Pension, I am considering taking money from my Pension to offer a Full and Final Settlement, I just want this ov...

PPI upheld I have been with GT now for three years, about two years ago EIC asked me to complete seems like hundreds of forms re PPI. To my surprise I received a letter from Halifax saying one of my claims had been upheld and payment would be made to GT. I had heard that any interest would be paid t...

New Pension Rules April 2015 I will be half way through my IVA next April when the new Pension rules apply, therefore as I am over 55 I will be able to take all of my Pension as cash, 25% Tax free and the rest taxable, the Tax free element should cover the remainder of my IVA payments. Therefore my ...

I appreciate your comments, my children do appreciate what we are going through, up until we decided the IVA was the way to go, we always paid our debts, but once paid, we then used the credit cards to eat and pay fuel costs, we had not missed a payment until then. Only wish I had known there was a ...

Thanks for your help and advise, as many on the forum state you do feel very alone going through this and it is very stressful, the forum makes you realise you are not alone and there is light at the end of the tunnel. I think with us we were in our first year things were tough but we were managing ...

Thanks for the replies, I appreciate no one can give direct advice and I do think the forum is excellant, only wish I had seen it when I was going through the time before my IVA was set up. I was just hoping someone may have been in a similar situation and may have been able to advise on the possibi...

Hi Karen Yes as my son's car was on a scheme to help with the first years insurance which was included in the finance the outstanding amount from the car finance exceeds the amount a dealer will give us will be about 2.5K. I am now looking at asking the car finance company on my car to to take my ca...

Unfortunately have not received any replies to my questions, During this time I have looked into changing the cars found a good car but unfortunately have negative equity in both our cars of £4.5K therefore no company will give my son the finance. Can anyone tell me if I ring the car finance company...

Many thanks for your replies. In reply to Mel and my son's accomodation, he is looking for work but as we live in an area of high unemployment, this is proving difficult, I have a 100 mile round trip to my job each day. As for the contract my son signed and I signed as guarantor, I have spoken with ...

Hi,myself and my wife entered into an IVA last October, we both work and are just managing to pay the IVA, unfortunately this year one of our sons has decided to leave university, partly personal, partly financial, unfortunately even though he paid for his accomodation up until he left in March, the...