Hi, my iva was finished in March, I have my completion certificate and I'm now off the insolvency register. I received a cheque from one of my creditors for what they called "over payment", it's for a few hundred pounds which is great. Is it actually mine or do I have to send it to the IP? Has this ...

.......It is now! last payment 28/02/17 and certificate of completion received today...I know well quick! I started around 11 years ago with a DMP with payplan which for me was a big mistake as after paying for 6 years or so I discovered that most of the creditors had not frozen interest and to some...

Hi, I am in an IVA. I have around 2 years left to pay, my partner has no debts and her credit history is excellent. Is there any way we could get a joint mortgage, even with my circumstance?

I was in a dmp for 6 years, intrest was continuously being added and my end date for being debt free was forever getting further away. I changed to an iva 15 months ago and it was the best move i have made in this journey! Also i don't own my own home or have any assets so was left with a choice,iva...

Hi, i have just read on another forum that lloyds are freezing accounts of people in an iva. Has anyone had any experience of this?

Ok,thankyou and i will let you know.

The company i'm with are Liberta financial and the lady i spoke to told me that the workings are correct.

So i was told today that this is the way an iva works. Oh well it does seem a tad wrong that i could earn more and pay less if i was paid monthly! Never mind though i'm so much happier now 8 months into an iva. Before this i was in a DMP for 6 years with a starting balance of £33,000 after 72 paymen...

Hi,i have been in an iva for around 8 months and have recently sent in my last 3 months wage slips. I recieved a letter today informing me i have to pay an additional £240.I was aware this may be the case,however i'm paid weekly and in 1 week of the month i earned £100 over what i should and the res...