Congratulations craigiewicked1,

Isn't it great to know that you are completely debt free, this is something to be truly proud of!

Hi David, Congratulations, however, if you are anything like me you're experiencing 'end of IVA Paranoia'! I had a similar email, but believing the news was to good to be true, I emailed back saying that I was canceling the payment as advised as a confirmation. I then continued to pay the monthly am...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Markdtr77 I'm 5 months off completing my IVA and have just been advised that I owe £5409 due to additional income earned in years 2 -4. Can they do this to me this late on, why didn't they ask for the...

Hi all My IVA completed at the end of 2013, but I have today finally received my final report and completion certificate. Being paranoid, I continued to put my monthly IVA payments into a savings account until everything was properly finalised. I cant express the relief that I feel to finally be deb...

Which section of the tax return are you having difficulty with, as in my experience the IVA has very little relevance as te return focuses on actual income and tax paid. What you have spent your money on each year only becomes an issue for expenditure that is tax deductable (professional subscriptio...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Michael Peoples It does seem strange that there is still a creditor claim to be agreed after all this time. Has your IP explained who this is and why they have neither chased down nor excluded that cre...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by luluj Our creditors were given six weeks before certificate was issued. Thanks Luluj, that seems to mirror what our IP is telling us... One creditor outstanding and the six weeks is up tomorrow, appare...

When an IVA comes to a natural conclusion either at year 5 or 6, how much time must be granted for final claims/ payment of disbursal before the certificate can be issued. I have a vague recollection that if a creditor fails to respond within six weeks the IP can wrap up the IVA without further dela...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by lesley_ I changed to Sky whilst in an IVA. I would like to try fibre optic, for those who have it, is there lots of difference? I have 300Mb down 30Mb up (Fibre Optic) its brilliant for us in a house f...

I'm in an area that is lucky enough to get full fibre optic connectivity to the home (FTTH). I was with Sky but elected to back to BT to get the enhanced service. BT did run a credit check but I was able to have the service. As a tip, I did elect to pay the line rental for a year up front (£100ish),...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by crazychic97 Thanks Melanie,I now most definitely need to be asking my up for a complete breakdown of where my iva payments have gone and exactly how much this creditor has taken !! X Don't you see all ...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by pennieless

I upgraded while in iva and was excepted I upgraded via internet banking so didn't speak to anyone.

I tried upgrading via internet banking, and was refused on the spot

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Michael Peoples Many wills are written so that should a beneficiary be insolvent at the time, they do not inherit. I slightly disagree with Melanie in that this is not putting assets aside from credito...

In my case, I cancelled the IVA payment, but continued paying the normal iva amount into a savings account until I was sure that my IP was not going to surprise me with any additional requirements. Its a nuisance, but when you do finally get the all clear you could having a nice pot of savings to st...

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by MelanieGiles Great news to see another case nearing a successful conclusion. Well done, and have you decided what to do with your new found cash? Thanks Melanie I'm quite content to sit back and see it...