Not necessarily true Luluj- some debts are fixed terms and agreed amount of interest - IVA is another form of consolidated debt which involves another 3rd party than the creditors - but the amount of what you pay back is not always going to the creditors as the more you pay the more you find the iva...

If i had PPI owed i would gladly ensure it went back to pay off my IVA debt - but unfortunately not all of the PPI comes your way though to do this. If you use one of the third parties organisations appointed by the IVA providers - they will claim a % of the recovered PPI claim monies for acting on ...

I want to pay my creditors back what i owe - its not a matter of trying avoid or find a way of not paying back my debts. But the more i was told to pay it would quickly reduce the term of the IVA - which is not the case as the IVA provider grabs a % of what i paid in first, so in fact i am not payin...

Thanks for the info - Its not a matter to choose to go bankrupt just don't think the IVA was the best advise i was given at the time and that the IVA is not what it is cracked up to be for some. If you are unable to work/regain work or lower income, for what ever reason and don't own your home then ...

As part of the annual review/statement - why do we not get a breakdown of actual the amounts that have been paid and the balance of the out standing debt to each creditor

What happens if you want to end the IVA agreement because you strongly believe : You realise the IVA advise/information was misleading/mis-sold at the start Do not agree to the charges based on a % fee Did not agree to property remortgage being part of agreement but was added and advised it was requ...

Thanks Foggy for the link and advice - appreciated
Should I not be consulted on the changes to the agreement in advance of them happening ? just seems all one side once you sign up to the agreement and no longer party to the agreement or the processes involved!

I am getting more and more despondent with the lack of service, mis and changing information and responses I am still receiving from my IVA provider and have noticed similar concerns posted by other forum members. I still have not had my initial complaint letter dealt with - originally sent 11.Oct 2...

Hi I have an IVA with DFD and have written, emailed and telephoned them on several occasions regarding outstanding queries relating to completion of the IVA. I realise that calls to them will be busy at times but waiting for over 15 mins at a time is excessive and their is no excuse for them not rep...

I have IVA with DFD - I have paid nearly all the debt i owe before the IVA term - I have one more payment to make in Jan 2014 and have requested a completion certificate to release me from the IVA - I have emailed DFD 3 times - 3 telephone calls - receiving little confirmation/knowledge by the custo...