Well done...we just made our last payment today and to anyone reading this thread who have just started on an IVA thinking my god 5-6 years....well we looked at this forum 6 years ago and had the same sinking feeling that it would never end....it does and it goes quicker than you think. The thing to...

Hi A couple of years ago we ran in to the problem of a failed boiler....not been on benefits and already reached our 2 non payments we couldn't find any help at all even though we have 2 small children. seems we didn't fit into any of the usual boxes. After several weeks of hair pulling and boiling ...

Over Christmas my car suffered a clutch failure and the clutch needs replacing....my IVA payment is due on the 13th....I have it in the back of my mind that as long as the payment is made in the same month then this is not counted as a missed payment...is this correct

About to try and get rejected for the final payment option through remortgaging and seeking a loan. If I have a valuation of £130,000 with a settlement figure of £74,250 presumably I need to apply for a mortgage of £110,500 ( 85% of the sale value) and if successful give the IVA the difference betwe...

Nationwide can arrange a 3-12 month payment holiday dependent on the type of mortgage. But haven't approached them yet just playing with some ideas font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by kallis3 Would your mortgage company allow you to do th...

Hi Yes we are aware of that but just want to get out of this as quickly as possible...might be a bad idea or something we decide not to do I just don't want to put it passed the IVA company if I'm likely to open up a can of worms. font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" n...

Hi We have just received our 6 month notice prior to the end of the 5th year....over the last 5 years we missed 3 payments due to issues. we would rather not add these to the end but have no other way of paying it. However what would happen if I arranged with my mortgage company a payment holiday an...

Hi Just got our letter from the IVA company about getting our house revalued and attempt to get a remortgage from two brokers. The letter it self is hard to figure out what we are expected to do and more importantly what should we try and do for the best outcome for us.. The original valuation on th...

We are with Griffin & King...the caller asked how much outstanding debt we had which I refused to divulge , at which point he asked for me to talk to his supervisor ...told him I wasn't interested. If he creditors had an issue with the IVA company I understand they would take it up with them....but ...

Hi Just had what seemed to be an Indian call centre ring (very bad line and Indian accent). They said my IVA company hadnt been paying on time and the creditors had logged complaints...and this could lead to court action against us......They seemed to be offering some kind of solution that would mea...

If I dont move out then the wife probably will and her and the boys will end up in temporary accommodation....so Im stuck between a rock and a hardplace....I say No and everything happens now...or I go along in the hope things will change or the wife sees how utterly stupid this all is font size="1"...

Hi Guys The situation is very complicated, the step daughter who I had a good relationship with up to 6months ago (although now shes telling people that she never did) has a 2 year history of harming herself and what I called suicide lite attempts....wrapping she laces round her neck til she passed ...

Its a massive step and Im not convinced I will be able to change the stepdaughter mind ...but the wife is trying to make sure she doesn't end up in a hostel ..didnt help the housing officer told her the hostel might have drug addicts!!! Im desperate to try and resolve issue but to do that I need to ...

we do own the house through the bank

we are comming up to starting our 3rd year in the summer and the only way to keep up the IVA is for me to keep taking the wife to work at 7pm and picking her up later and probably keeping the kids in a flat with me during that time...but to do this i need a period to work with.