Hi, I have been in an iva for 2yrs and I would like to come out of it. Would I be able to talk with my creditors myself in arranging payments with them and would they put the last 2yrs interest back on. Many thanks.

I know I don't know much about IVA's but there's no way in hell I would have agreed to this. I couldn't sleep last night for thinking i'v just made the 2nd biggest mistake of my life, the other one was my first husband. lol

Hi foggy,
I'm so glad I found this support forum had the sense to check this one out because I could have signed without thinking.
I checked the forms again this morning and they say power of attorney and must be signed as they form part of the IVA agreement.
HELP

I'm with Harrington Brooks

This is all new to me.
Would it do any harm to sign it if there's a chance they could claim something back to put in the pot.

I'm only 5weeks into the IVA

Hi Melanie
They want to try and claim back PPI on credit cards.

Is it normal practice for your ip to send the power of attorney forms to sign at the beginning of a iva, as i'v noticed while being on this site most people receive them towards the end.

only one joint debt of £636-00 to bank

Q. if someone is in a joint iva could the other person clear their debt and would the remaining person carry on with theirs without their partners income being factored into it.

Thanks Lesley

Hi Melanie, first of all thank you for replying. I'm with Harrington Brookes and the change was done in house. I'd asked before the creditors meeting if I had extra money left over in the month I could pay it into the pot and they said yes but if I had more than £500-00 then it all would have to be ...

In IVA just over a month and bankruptcy not an option it would certainly end my career as payments received are not an income but an allowance for the child and I'd hoped to have had everything paid off before my medical in 2015. I wish I'd just kept paying into DMP which I could see light at the en...

I had been on a DMP when the company phoned me saying I should have been in an IVA I didn't know what that was but it was explained briefly. I had still been making payments to my creditors before I'd embarked on the DMP. I felt as though pressure was being applied to go forward with IVA which, in t...

hope someone can answer these Q if I came out of my iva would I be able to arrange payments with my creditors and would I have to pay all the fee's to the company who arranged it and would I still be on the insolvency register.