Thanks a lot Lisa and Foggy. BACKGROUND My IVA is due to complete in October of this year, but was approved in January 2010. I had a payment break, (i.e. paid a minimal amount), which led to an extension of my IVA, from its approval in January 2010, to October 2015. I contacted my IP, in connection ...

Can you please confirm some things for me please? My IVA is due for completion this October, (2015). (1) When will I receive my IVA completion certificate? (2) What will it say? (3) How do ALL the credit check companies get informed of the IVA completion, via me or my ISP? (4) When does my credit re...

I've had a debtor contact me a few times saying that they have not been receiving payments via my IVA/ISP. After writing a few times to my ISP, they eventually came back with the following reply: "I have looked into the situation with you and can see that this should now have been resolved, there wa...

Hi Melanie Thanks for the post. I think it's this..... Putting aside the bad feelings that my ex and I have, and my negative opinion of her, my taking on the whole, (as I thought), of the joint loan in my IVA, (in order to expedite and bring to a close divorce proceedings because of escalating legal...

Thanks Michael & Melanie for your posts. Our house was EVENTUALLY sold, so mortgage was repaid, although my ex wife's delaying tactics, (i.e. taking the house off the market without consulting me), led to us having to sell our property quickly and at a cut rate price, therefore nullifying our equity...

Hi Michael Thanks for the info. Your comment...... "However either way she should be okay once the sixth anniversary of your IVA has passed" If the creditors have NOT pursued my ex wife, would 6 year statute barred debt rules apply from the anniversary of our divorce settlement date, i.e. 2008, rath...

Thanks for the info Melanie. Understanding the debt remaining but not being enforceable under statute barred debt law, is curious but understandable. I went into the IVA and included the whole amount with the best intentions. If the loan balance remains in situ, but not enforceable, would that impac...

Hi Andy Thanks for your post. No, I haven't received any letters/communication regarding the joint debt that has the both of our names on, but obviously can't speak for my "ex", but I am sure she would have shouted before now if she had received any correspondence relating to this loan!! I haven't r...

Michael Been looking at the statute barred debt thing, and just wanted to confirm/check something with you if that's ok? If the joint creditors have not chased my ex wife in connection with this joint debt, for SIX/SEVEN years or more, and they WERE to pursue her after my IVA finishes in the last qu...

Thanx a lot Michael

Bless you

Exonian

Thanks a lot Michael. Based on what you say, I'm surprised they, (the creditor), haven't chased her too! The WHOLE loan amount is shown in my IVA, and the creditor concerned voted in favour of my IVA. Our divorce (decree absolute) took place mid 2007. "Statute barred" is a new one on me! Hope that's...

Thanks a lot for the reply RHB

Hi I am in an IVA which is due to complete in October next year, 2015. My IVA consists of credit card debts that I inherited from my ex wife, (I was the first named "prime" card holder on all the cards, and she had "additional" cards to the credit card accounts, which she used!, so I was left holdin...

.......... PART 2 My ISP wrote to me and said they had a "responsibility to recoup any PPI monies owed via mis-selling of PPI, in order to reduce the IVA debt to my creditors", and said that a third party would act on my behalf. I proceeded with this action. Some PPI monies have already been recoupe...