My car is on it's last legs and it is necessary for work due to me being a shift worker and no public transport available at certain times of my shift patterns i.e 3am! Anyway I am also on the final run of my IVA just 10 payments to go until completed. I have seen in the past that there have been a ...

I had a together mortgage with Northern Rock, the unsecured part went into the IVA. You will not be able to take a payment holiday, if you do request one then they will want written permission from your IP. We are in our final year of the IVA, we have had no problems with Northern Rock throughout (a...

My husband and I have a joint IVA. We are in year 4 and we have a 4th year equity clause. Due to the drop in house prices we do not have the required amount of equity and so cannot release any.We were also in arrears (with the consent of our IP) and were expecting to add 3 months onto the end of our...

Due to a change in job we were unable to maintain the agreed monthly repayment for 4 months in 2008. we paid what we could by agreement and maintained contact with DFD throughout. We were verbally informed by DFD that we could make additional payments at the end of the IVA to repay the arrears. Now ...

Thanks very much for your advice, there's great support here. When I first wrote earlier on today I was furious at the injustice of it's all but you've given me perspective and now although I'm still going to contact my IP, I'm just gonna hunker down and get on with it, we're halfway through now so ...

I think after reading all the other posts on this matter we are going to have to admit defeat on this one and pull the belt in another notch. Thanks everyone for replying to this and previous. We are half way through now so the cup is half full now not half empty!

Andrea

It's about £1800 and we are paying £908 per month now. We had permission to go in arrears as were were trying to sell our house to release the equity for a F&F but that was before house prices crashed and we had to take it off the market. We incurred solicitors charges and I had to by a car (an old ...

Thank you. There's no way I would let my IVA fail, we've come too far now but we have arrears from trying to sell our house and making reduced payments, do you think by offering to extend by another couple of months at the end of the 5 years is a reasonable offer to pay back our arrears as there's a...

They are just not listening. I can't get directly though to the IP. I want to speak to them about the review we've just had and no-ones available. I've provided evidence for absolutley everything and even something as basic as my TV licence which I was allowed in 2005 at £10 is now £11.67 and that's...

Is there any way you can leave the company your with when your're already half way through an IVA. I am very unhappy with our service, I have just got our IP's email from the Insolvancy Service as in all this time we have never been able to have direct communication with him and we appear be going r...

I know I've posted about this before but I need to know my footing before I approach my IVA company which is Debt Free Direct. We have just had a review due to change in circumstances and ask for our payments to be reduced substantially. I have just had the paperwork through this morning stating tha...

Just as a matter if interest has anyone who is with Debt Free Direct actually managed to speak to their actual IP and not just a member of the team? We have never managed it, I always imagine him to be like a queen bee protected by his workers!

Hi, It seems a bit unfair for you to rely on overtime to meet your basic living costs- what if the overtime wasn't available or if you became ill? Seems to me you already pay too much.

Our IVA started in October 2005 apologies I'm working nights and sleep deprived! We asked for a review as my husband hasn't had an increase in his salary since the IVA started and I have started a new job bringing out £100 per month less than before. Incredibly although all our bills have gone up th...

When my hubby and i first started the IVA in October 2003 we were allowed £260 per month for food. This was pretty megre then but we have asked for a review because of our change incircumstances and I've just had a call from my IP stating that they will still only allow £260 per month for food regar...