Just made 36th payment and can't believe how quickly the time has gone. It has been a struggle from time to time but so pleased that we have now lived without an overdraft for 3 years now, long gone are the days of our permanent £7k overdraft - horrendous. Stay positive everyone and Happy New Year t...

I prefer to put some money aside each month into my own savings account towards Christmas, then I don't have to worry about anyone going bust!

Still with PJG.

Just noticed my profile has changed to IVA Campaigner - take it that is a good thing?!?

I am with PJG and PPI investigation was started by Clifford Watts in April 2014. Clifford Watts no longer exist and Melanie Giles was carrying on the investigation and I was told in June 2015 that she was waiting for response from one lender and would get back to me. I have emailed several times rec...

Don't like the implication that people in IVA are more likely to commit insurance fraud, this is the sort of misconception that blights people like myself and my husband. Our debt problems arose due to business failure and unexpected pregnancy and we decided to set up IVA's to deal with issue and I ...

The issue of time passing in an IVA is a funny one. We have just passed the 2.5 year point and that has gone REALLY quickly but sometimes the individual months seem to D...R....A....G and then all of a sudden it seems you have made another 6 months payments and you are another half a year towards th...

Hi, we signed up to PPI investigation with Clifford Watts in April 2014 through PJG and I have emailed Melanie on a couple of occasions as the person I was in contact with has left. Melanie has said investigations are ongoing so I assume CW is still in business but really have no idea.

We are with PJG and Clifford Watts were recommended and we filled everything in around 14 months ago. I have emailed Melanie a couple of times to find out what is going on but have not received a reply. Not too worried as I still have at least 2.5 years left but don't want to be going into my final ...

As Foggy says, if you sell your house and have equity then this will go to the creditors to achieve 100% dividend (plus interest?) and will NOT be treated as a Full and Final. I would urge you to stay put in your house until your IVA is well and truly over unless you absolutely have to move so you w...

My husband took a 4 month payment break - just before end of second year - and we have decided to save as much as possible over next 3 years to repay "arrears" rather than extend it as he is likely to have to extend anyway due to equity. IP has confirmed this is fine.

Hi, I believe the deadline for the annual review is 2 months after the anniversary of your IVA so, if for example, your IVA was approved on 1st January your review would have to be completed by 1st March. If you have made 12 payments I would expect the review documents to be issued any day now.

Unfortunately student finance is not based on your disposable income but your household income. It was the same with my daughter as she received a reduced maintenance loan due to size of our household income. We managed to get a small allowance for her ie food/household costs in our IVA proposals as...

We have also just completed our second year reviews and our payments have gone up yet again - husband's went up £40 after first year and then £45 this year and mine went up £20 after first year and £55 this time round. Still not sure how this is worked out as my income definitely hasn't gone up by £...

If I were you, unless you absolutely had to downsize I would wait until you were out of your IVA and therefore wouldn't have to put any of the equity into your IVA.

I would think it is highly unlikely that your sister is in an IVA - for 10 years and with no income? I suggest you speak to her, ask her to produce the paperwork and find out exactly what is going on. It sounds more like a debt management plan but if she is depressed and is now in more debt, she wil...