Last week we paid our last amount into the IVA which is a major mile stone and one we should be celebrating. However, before getting over excited I wanted written confirmation of the process and what to expect. We are now with creditfix (transferred from Knightsbridge a few months ago). after severa...

Thanks Foggy but what if it is less than 5k? there is still a secured loan on the property which pretty much cancels out the equity.

We are just a few months away from reaching the 5 year mark of our IVA. in September and October I had several conversations with Knightsbridge as I was aware about the equity clause 6 months prior to completion but nothing seemed to be happening. I then find out about the transfer to creditfix. I'v...

I think just about everybody goes through the feelings and emotions that you are experiencing. Its such a nerve racking time wondering whether or not you have done the right thing. In my experience, I can honestly say what I have also heard many other people say on this forum, If only I had started ...

Hi, My wife and I are just entering our 4th year of our IVA. My wife may be offered a new job next week. The new job comes with an additional 5k per year and a company lease car. we were just wondering what experiences people may of had of a similar situation, Obviously if it came a reality we would...

Hi, My wife and I are 3.5 years into our IVA and my wife has always had a company credit card purely for work purposed. The company have just changed their bank and have asked for my wife's personal details (name address etc) in order to get the new company credit card. Has anybody else got experien...

Hello, not sure what you are basing your information on but we have had a dog throughout our iva and there is even an allowance for pets within the guidelines. I have also managed a couple of basic holidays although that does involve exceptional budgeting and overtime at work.

Thanks for all your comments. I will be making a decision this weekend.

Anybody got any experience of getting a mobile phone contract with carphone warehouse whilst in an IVA? currently with EE and phone is dying. Czn probably stay with EE but there are better offers with carphone warehouse but I don't want to rock the boat so to speak.

Well its been a struggle and it has taken numerous emails, telephone calls and a re submission of our annual income and expenditure review data including a doctors note explaining the recent increases in our food bill due to my wife being a coeliac and the NHS taking all her gluten free food of pres...

I have had the breakdown emailed to me and the increase is due to a random month that had a lot of overtime on. I can't seem to get them to understand that that months overtime is not a true reflection of our normal wages. I have got them to agree to me to resubmit my latest bank statements and wage...

Well following on from my phone call on Tuesday. We now have a letter confirming that our account is up to date and not in arrears. The 4 line letter then states "Your next payment is due on 26-06-16 and will be £357.00." This is a 55% increase on what we were paying and there is no explanation or a...

Thanks Lisa. I've just had a lengthy conversation and they have confirmed that I am not in arrears and that it was due to my anniversary date and payment dates being different. I have requested thus in writing. They gave also said that they are increasing my payments. I have been told I need to wait...

I am hoping it is an error fingers crossed. I am assuming they would have to legally inform me if the payments were going up? Thanks kallis3

Hi, We are 3 years into our IVA and we have this morning received our 12 month review and annual report that has gone to our creditors. The report states that we are a payment in arrears and yet we have never missed a payment. It also states that the payments are to be increased and yet I have had n...