Further update, friend has now withdrawn offer due to unexpected expenses. So will see what happens at the end of September

Update a family member has come in to offer a lump sum to pay off the remainder but it won’t cover the amount required with them wanting me to remortgage. They have held the next payment and made my creditors aware. Just waiting for the offer to be made to the creditors and then the outcome meeting

It’s funny you raise this. I feel the same. You feel so desperate when you first start in the Iva. My payments have gone from £199 a month to £473 a month. I know I owe the money I should pay it back but ivas are advertised as wipe off up to 85% of your debt you are so desperate you sign anything an...

Cheers. I also have the added complication of the equity clause due in July next year

Currently in an iva and I have a lodger which I have issues with. Due to my mental health and other conditions now I cannot live with them and I don’t want to have a lodger. Previously I had to have a lodger due to not having enough income to cover my Iva payments (currently £405) I have 12 months l...

<t>Help, I think I have messed up my IVA. I am 3 and a half years in and requested a payment break due to reduced income, I also requested a payment break from my mortgage. I am now really concerned that I will breach my IVA, if I do breach, will bankruptcy be the only option? Am I best to just term...

<t>Hi, I have seen advertised a company called sprout loans that offer a way to get out of your IVA earlier by taking out a loan to cover a F&F settlement of the IVA, I was wondering if anyone had ever heard of doing this, or has done this to complete the IVA early? The company I have seen is sp...

I applied for an IVA through Vincent Bond back in June/July this year, which was refused by one of my major creditors because they said it was too soon from having the debt taken out to IVA (Nationwide - it had been 4 months). I have since had help from stepchange and have put in for a DMP, Nationwi...

I have recently completed my IVA and have a mortgage, I am looking to remortgage, but am being told I will have to wait 3 years before I can do this, is this the case, or does anyone know a company that can help?

How can an IP find out if you have taken out credit