Thank you both for your advice.

Hi. I made my final payment to Aperture in september and sent all my paperwork off for my final review. After chasing it up several times I received a phone call from aperture today telling me that no extra income was due but it will now take between 3 and 6 months for them to close my IVA as my cas...

Thank you very much.

Hi. I cant believe its finally getting near to the end after nearly 5 long years :D but i only have 2 payments to make to my IVA. I'm with aperture. Does anyone know what their process is to finish the IVA? Do i have another annual review? Is this different or more involved than the previous annual ...

Thanks everyone for your advice. My electricity is with e-on and at this time of year if my account is in credit by £5 or more they give me the option of reducing my payments or having the money refunded. I will check the terms of my IVA but think unless it is totally clear I will ask them to keep m...

Thank you.

Hi luluj . Thanks very much for your reply. I am unsure of the amount of refund yet as I am apparently £240 in credit but have my quarterly bill for Nov, Dec and Jan to come off that which I am hoping won't be more than £150 but won't get the bill for a couple of weeks. I was hoping to put any refun...

I am due a refund from my electricity provider. If that is paid into my bank account does it all have to be handed over to my IVA ?

Hello jojocox I know exactly how nervous you must be feeling. I had my creditors meeting yesterday and had my IVA approved despite having convinced myself that it would be rejected, having had one rejected 5 years ago. I was advised by several people that the landscape has now changed and very few a...

Thanks everyone for your support. I must also say that money debt and credit have been very supportive and understanding. I am so happy to have been given a fresh start.

I'm pleased to say my IVA got accepted this morning with no modifications. I'm sure you all realise what a weight off my mind this is. 1 payment down only 59 to go

Thank you to everyone for their support and I will definitely be posting with the outcome of the outcome creditors meeting. Jay , I had not heard of money debt and credit before and maybe should have done more research but so far they have been nothing but supportive. . Mrs, I hope your granddaughte...

That's reassuring to hear. Thank you Kelly

Cheers foggy. I just find it all very worrying but I'm sure everyone else does too. I was concerned 36p seems really low due to the fees that my insolvency practitioner is charging

Thanks Melanie