I thought 5 years was 5 years... I think this is a human rights issue...

Yes sorry Foggy, I agree. Not all are the same.. But I still think that any extension to the IVA term due to administrative, or anything else is simply wrong. I said all IP's because up until now I haven't found one that dosnt think its normal course to increase the term regardless of the situation,...

Can I request my IP establish if there is any PPI, claims outstanding before the completion date? If you are on an IVA you cant get credit.... NO PPI WITHIN THE LAST 5 YEARS!!!!!!!!!!!!!!!!!!!!!!!! Suppose most people on an IVA will have had lot of loans and credit cards like me... I don't want any ...

Failure to establish hidden assets within 5 years of an IVA? Only reason is, I guess you do nothing between the five years? OR, Suppose the day before the 'imaginary' completion date most people win the lottery or inherited millions? IVA company's help you get on board, but once on board... NON coul...

Come on IP's, why cant you plan ahead, and have the finish date the finish date?

you are not finished till you get the certificate, maybe its good for the IP's monthly books, but it is not good for us, and they are all taking the ....

the duration of the IVA is the duration. .....Full STOP.... Any IVA company delaying the completion certificate, are down right scoundrels.... They have 5 years to sort it out, they know when you are due to finish!!! If you pay on time, all the time, at the end, you want it finished, any delay is to...

thanks for your reply's. Being a 3 class type insolent citizen, the possible repercussion with or available income along with that if my employer/friends finds out, is not worth the risk.

Suppose I was just dreaming but thanks for your optimism all the same.

I am with GT, and to be honest I don't like a lot of the negative things on this forum about them. May I ask who you are with mab? I know this thing may come up more in spring or summer time, but everyone at work is going on about the special on the side extras they get whilst paying top dollar for ...

I will of course discuss this with my IP first. But he has told me time and time again it is his job to ensure all non essential spending is paid to the creditors. I am concerned that if I ask about this scheme the money I could squeeze from other areas of expenditure in order to afford it, will be ...

I am not fit enough to cycle to work. YET, and I suppose this is the crooks of it. I plan to maintain the same payment to the creditors. Although my income will be reduced because of the payment for the bicycle. Hopefully my fitness will improve after some practice, and I might be able to commute re...

the online calculator says the net difference in take home pay for the max amount would be £56 per month if was over 1 year. (I am hoping to get a longer period but maybe it is fixed?)

With the household basic being £1900.

Thought it best to put some figures to the question.

I think I might be able to squeeze a little out of my expenditure to afford it (after all its not a massive amount monthly). But. I am a little worried that my IP might think this is non essential spending and should be paid to the creditors, instead of funding me for bike rides. with it being on my...

Cycle to work scheme. I have had my IVA for little over 1 1/2 years now no problem. most of my colleagues as of late have taken advantage of the cycle to work scheme, even though like me the live to far away from work to commute by bike. If you don't know the scheme its where your employer buys a bi...